Point-of-sale systems and methods for consumer bill payment

Details Point-of-sale systems and methods for consumer bill payment Point-of-sale systems and methods for consumer bill payment

G - Physics

06

Q

G06Q 20/00 (2006.01) G06Q 30/00 (2006.01)

Patent

CA 2584793

The present invention provides systems and methods of processing bill payments. One such method includes receiving a payment request from a customer. The payment request is for a bill associated with a vendor. The vendor may be any number of vendors including utility companies, mortgage lenders, credit card companies, financing companies for the purchase of furniture, appliances, or automobiles, and the like. The method includes verifying, using a point-of-sale device, whether the vendor is included in a group of authorizing vendors. A customer identification and a payment amount associated with the particular bill is received from the customer. The method further includes receiving a payment authorization and providing a receipt to the customer. In this manner, the customer may use a point-of-sale device to make on-time bill payments.

La présente invention concerne des systèmes et des procédés de traitement de paiements de factures. Un desdits procédés consiste à recevoir une demande de paiement d'un client. La demande de paiement est pour une facture associée à un vendeur. Le vendeur peut être n'importe quel type de vendeur y compris des sociétés de services, des prêteurs hypothécaires, des sociétés de cartes de crédits, des sociétés de financement pour l'achat de meubles, d'appareils électroménagers ou d'automobiles et analogues. Le procédé consiste à vérifier, à l'aide d'un dispositif de point de vente, si le vendeur fait partie d'un groupe de vendeurs autorisés. Une identification de client ainsi qu'une somme de paiement associées à la facteur particulière sont reçues du client. Le procédé consiste également à recevoir une autorisation de paiement et à fournir un reçu au client. Ainsi, le client peut utiliser un dispositif de point de vente pour effectuer des paiements de facture à échéance.

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