System and method for electronically providing customer services

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance

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G06F15100

Patent

active

058730729

ABSTRACT:
A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.

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