System and method for electronically providing customer services including payment of bills, financial analysis and loans
Patent 5383113 Issued on January 17, 1995. Estimated Expiration Date: 
January 17, 2012. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.
January 17, 2012. Estimated Expiration Date is calculated based on simple USPTO term provisions. It does not account for terminal disclaimers, term adjustments, failure to pay maintenance fees, or other factors which might affect the term of a patent.Patent ReferencesTelevision line multiplexed data communication system Method of and means for accessing computerized data bases utilizing a touch-tone telephone instrument Data terminal and system for placing orders Interactive market management system Automated order and payment system Patent #: 4947028 InventorsAssigneeApplicationNo. 736071 filed on 07/25/1991US Classes:705/40, Bill distribution or payment705/38, Credit (risk) processing or loan processing (e.g., mortgage)705/45With paper check handlingExaminersPrimary: Weinhardt, Robert A.Attorney, Agent or FirmInternational ClassG06F 015/21AbstractA 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 to the merchants according to the consumers' instructions based on a financial risk analysis.Other References
| |
