Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2006-02-07
2006-02-07
Alvarez, Raquel (Department: 3622)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S034000, C705S039000, C705S044000
Reexamination Certificate
active
06996542
ABSTRACT:
A system and method for paying bills without requiring interaction with the payors disclosed. The system includes a payor control interface, a communications interfacee, a bill generator, and a TCF message generator. The bill generator generates bill records from payor and payee information stored within the system for recurring bills. The bill generator may also generate bill records from the payor and payee information and from bill data messages received from payees. The generated bill records are used by the TCF message generator to generate the EFT messages for transferring funds electronically between payors and payees. Payors may alter the payment amount and date for a bill as well as reverse payment of a bill already paid. Payees are also able to alter recurring bill records or may present bill data so that bill records reflecting variable obligation amounts may be generated.
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Alvarez Raquel
Midwest Payment Systems
Wood Herron & Evans LLP
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