US 7,627,524 B2 · System, method, and computer program product for receiving and processing payments

Abstract

A system, method, and computer program product is provided that is capable of receiving and processing payments from a payor. In one embodiment, the system includes a processing element capable of identifying a payor account, the payor account being associated with a payor and with one of a plurality of billers, and the payor account comprising payor account data. The processing element also is capable of accessing the payor account data. The processing element also is capable of receiving data representing a payment from the payor to satisfy a financial obligation evidenced by the payor account. The processing element is further capable of sending a notice to the one of a plurality of billers indicating that the payment has been received.

Claims45

Dependent claims

A system for receiving and processing payments from a payor to a third-party biller, comprising:

a processing element capable of identifying a payor account, the payor account being associated with a payor and with one of a plurality of third-party billers, and the payor account comprising payor account data, said processing element also is capable of accessing the payor account data collected and stored by the one of a plurality of third-party billers;
a remote kiosk in operable communication with said processing element and structured to operate as an interface for the payor to input data;
said processing element also being capable of receiving, through said remote kiosk, data representing a payment from the payor to satisfy a financial obligation evidenced by the payor account, and wherein said processing element is further capable of sending an electronic notice to the one of a plurality of third-party billers distinct from the payment indicating that the payment has been received.

A computer program product for processing payments from a payor to a third-party biller, the computer program product comprising a computer-readable storage medium having computer-readable program code stored therein, the computer program product being in operable communication with a remote kiosk, the computer-readable program code comprising:

an executable portion for identifying a payor account, the payor account being associated with a payor and with one of a plurality of third-party billers, and the payor account comprising payor account data, said executable portion accesses the payor account data collected and stored by the one of a plurality of third-party billers, said executable portion receives, through the remote kiosk, data representing a payment from the payor to satisfy a financial obligation evidenced by the payor account, and said executable portion sends an electronic notice to the one of a plurality of third-party billers distinct from the payment indicating that the payment has been received.

A method of receiving and processing payments from a payor to a third-party biller, comprising:

identifying a payor account, the payor account being associated with a payor and with one of a plurality of third-party billers, and the payor account comprising payor account data;
accessing the payor account data collected and stored by the one of a plurality of third-party billers;
providing a remote kiosk in structured to operate as an interface for the payor to input data;
receiving a payment through the remote kiosk from the payor to satisfy a financial obligation evidenced by the payor account;
processing the payment;
and
sending an electronic notice to the one of a plurality of third-party billers distinct from the payment indicating that the payment has been received.

4 more elements

Dependencies are inferred from the claim text.

System, method, and computer program product for receiving and processing payments

Life of this patent

System, method, and computer program product for receiving and processing payments

Life of this patent

Abstract

Claims45