Method and apparatus for facilitating manual payments for transactions conducted over a network
First Claim
1. A system for enabling customers to visit a remote site and conduct transactions over a network with one or more provider processing systems, wherein payment is manually tendered at said remote site by said customers for said transactions, said system comprising:
- an agent processor, disposed at said remote site and accessing said network, configured to receive a customer selection of a desired business transaction conducted over said network with a particular provider processing system and customer transaction information and to process information associated with a customer payment receivable in forms including at least one of cash and a check and manually tendered by a customer at said remote site to a service provider to satisfy payment requirements of said customer selected transaction, while maintaining customer financial account information undisclosed to a transaction processor; and
the transaction processor, in communication with said agent processor and said provider processing systems via said network, configured to receive said customer selection and customer transaction information from said agent processor and facilitate performance and completion of said customer selected transaction over said network with said particular provider processing system in response to said manual tender of said customer payment, said transaction processor including;
a communication module configured to access a web site of said particular provider processing system performing said customer selected transaction;
a transaction information module configured to examine said accessed web site to determine information required by said accessed web site to conduct said customer selected transaction and to transmit an information request to said agent processor requesting a portion of said required information, the portion of the required information not including customer financial account information; and
a transaction performance module configured to receive said customer transaction information transmitted without any customer financial account information from said agent processor in response to said information request and to transmit said required information portion and payment information associated with said service provider to said particular provider processing system in order for said service provider to tender payment over said network for said customer to complete said transaction with said particular provider processing system in response to said manual tender of said customer payment indicated within said received customer transaction information.
4 Assignments
0 Petitions
Accused Products
Abstract
A system enables tender of payment manually (e.g., cash, check, etc.) for transactions conducted over a network (e.g., the Internet). The system includes one or more computer systems each located at a corresponding agent site, one or more merchant systems and a server computer system in communication with the agent and merchant systems. The server system accesses the appropriate merchant network or web site in response to transaction selection information received from the agent system, and translates those web pages for transmission to the agent system. The server computer system further receives the required transaction information from the agent system and processes the transaction information for transference to the particular merchant web site. In addition, the server system enters credit card information of a provider of the transaction service within the transaction payment information for transference to the merchant system in order to tender payment for the network transaction.
-
Citations
59 Claims
-
1. A system for enabling customers to visit a remote site and conduct transactions over a network with one or more provider processing systems, wherein payment is manually tendered at said remote site by said customers for said transactions, said system comprising:
-
an agent processor, disposed at said remote site and accessing said network, configured to receive a customer selection of a desired business transaction conducted over said network with a particular provider processing system and customer transaction information and to process information associated with a customer payment receivable in forms including at least one of cash and a check and manually tendered by a customer at said remote site to a service provider to satisfy payment requirements of said customer selected transaction, while maintaining customer financial account information undisclosed to a transaction processor; and the transaction processor, in communication with said agent processor and said provider processing systems via said network, configured to receive said customer selection and customer transaction information from said agent processor and facilitate performance and completion of said customer selected transaction over said network with said particular provider processing system in response to said manual tender of said customer payment, said transaction processor including; a communication module configured to access a web site of said particular provider processing system performing said customer selected transaction; a transaction information module configured to examine said accessed web site to determine information required by said accessed web site to conduct said customer selected transaction and to transmit an information request to said agent processor requesting a portion of said required information, the portion of the required information not including customer financial account information; and a transaction performance module configured to receive said customer transaction information transmitted without any customer financial account information from said agent processor in response to said information request and to transmit said required information portion and payment information associated with said service provider to said particular provider processing system in order for said service provider to tender payment over said network for said customer to complete said transaction with said particular provider processing system in response to said manual tender of said customer payment indicated within said received customer transaction information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
-
-
22. A system for enabling customers to visit a remote site and conduct transactions over a network with one or more provider processing systems, wherein payment is manually tendered at said remote site by said customers for said transactions and said remote site includes an agent processor to receive a customer selection of a desired business transaction conducted over said network in real time with a particular provider processing system and customer transaction information and to process information associated with a customer payment receivable in forms including at least one of cash and a check and manually tendered by a customer at said remote site to a service provider to satisfy payment requirements of said customer selected transaction, while maintaining customer financial account information undisclosed to a transaction processor, said system comprising:
the transaction processor, in communication with said agent processor and said provider processing systems via said network, configured to receive said customer selection and customer transaction information from said agent processor and to facilitate performance and completion of said customer selected transaction over said network with said particular provider processing system in response to said manual tender of said customer payment, said transaction processor including; a communication module configured to access a web site of said particular provider processing system performing said customer selected transaction; a transaction information module configured to examine said accessed web site to determine information required by said accessed web site to conduct said customer selected transaction and to transmit an information request to said agent processor requesting a portion of said required information, the portion of the required information not including customer financial account information; and a transaction performance module configured to receive said customer transaction information transmitted without any customer financial zccount information from said agent processor in response to said information request and to transmit said required information portion and payment information associated with said service provider to said particular provider processing system in order for said service provider to tender payment over said network for said customer to complete said transaction with said particular provider processing system in response to said manual tender of said customer payment indicated within said received customer transaction information. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29)
-
30. A method of enabling customers to visit a remote site and conduct transactions over a network with one or more provider processing systems, wherein payment is manually tendered at said remote site by said customers for said transactions, said method comprising:
-
(a) receiving a customer selection of a desired business transaction conducted over said network with a particular provider processing system and customer transaction information and processing information associated with a customer payment receivable in forms including at least one of cash and a check and manually tendered by a customer at said remote site to a service provider to satisfy payment requirements of said customer selected transaction via an agent processor disposed at said remote site and accessing said network, while maintaining customer financial account information undisclosed to a transaction processor; and (b) receiving said customer selection and customer transaction information from said agent processor and facilitating performance and completion of said customer selected transaction over said network with said particular provider processing system in response to said manual tender of said customer payment via the transaction processor in communication with said agent processor and said provider processing systems via said network, wherein (b) further includes; (b.1) accessing a web site of said particular provider processing system performing said customer selected transaction; (b.2) examining said accessed web site to determine information required by said accessed web site to conduct said customer selected transaction and to transmit an information request to said agent processor requesting a portion of said required information, the portion of the required information not including customer financial account information; and (b.3) receiving said customer transaction information transmitted without any customer financial account information from said agent processor in response to said information request and transmitting said required information portion and payment information associated with said service provider to said particular provider processing system in order for said service provider to tender payment over said network for said customer to complete said transaction with said particular provider processing system in response to said manual tender of said customer payment indicated within said received transaction information. - View Dependent Claims (31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49)
-
-
50. A system for enabling customers to visit a remote site and conduct transactions over a network with one or more provider processing systems, wherein payment is manually tendered at said remote site by said customers for said transactions and said remote site includes agent processing means configured to receive a customer selection of a desired business transaction conducted over said network with a particular provider processing system and customer transaction information and to process information associated with a customer payment receivable in forms including at least one of cash and a check and manually tendered by a customer at said remote site to a service provider to satisfy payment requirements of said customer selected transaction, while maintaining customer financial account information undisclosed to a transaction processing means, said system comprising:
the transaction processing means, in communication with said agent processing means and said provider processing systems via said network, configured to receive said customer selection and customer transaction information from said agent processing means and facilitating performance and completion of said customer selected transaction over said network with said particular provider processing system in response to said manual tender of said customer payment, said transaction processing means including; communication means configured to access a web site of said particular provider processing system performing said customer selected transaction; transaction information means configured to examine said accessed web site to determine information required by said accessed web site to conduct said customer selected transaction and to transmit an information request to said agent processing means requesting a portion of said required information, the portion of the required information not including customer financial account information; and transaction performance means configured to receive said customer transaction information transmitted without any customer financial account information from said agent processing means in response to said information request and to transmit said required information portion and payment information associated with said service provider to said particular provider processing system in order for said service provider to tender payment over said network for said customer to complete said transaction with said particular provider processing system in response to said manual tender of said customer payment indicated within said received customer transaction information. - View Dependent Claims (51, 52, 53, 54, 55, 56, 57, 58, 59)
Specification