WO2004015528A3 - Bill payment incentives system - Google Patents

Bill payment incentives system Download PDF

Info

Publication number
WO2004015528A3
WO2004015528A3 PCT/US2003/024535 US0324535W WO2004015528A3 WO 2004015528 A3 WO2004015528 A3 WO 2004015528A3 US 0324535 W US0324535 W US 0324535W WO 2004015528 A3 WO2004015528 A3 WO 2004015528A3
Authority
WO
WIPO (PCT)
Prior art keywords
agent
account
payment
funds
customer
Prior art date
Application number
PCT/US2003/024535
Other languages
French (fr)
Other versions
WO2004015528A2 (en
Inventor
Kenneth Lee Underwood
Original Assignee
Kenneth Lee Underwood
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Kenneth Lee Underwood filed Critical Kenneth Lee Underwood
Priority to AU2003257193A priority Critical patent/AU2003257193A1/en
Publication of WO2004015528A2 publication Critical patent/WO2004015528A2/en
Publication of WO2004015528A3 publication Critical patent/WO2004015528A3/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising

Landscapes

  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Finance (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A bill payment system, in a presently preferred embodiment, includes a system having an agent for initiating a request to make a payment to a payee from a funds account, verifying there are sufficient funds in the account to make the payment, transferring the selected amount from the funds account to a charge card account, paying the payee from the charge card account, and applying an incentive award for the charge amount. The agent will also open and configure a payee profile for the funds account if there is a new payee, and prompt the customer for a reduced payment if the funds account does not have sufficient funds to make the requested payment. The agent additionally prompts the customer for new services based on predetermined parameters. The agent can be a human agent, an intelligent program, or combination of the two working together. Thus, bill payment can be performed by a single rewarding telephone call to an agent who assists the customer through the process, or by an online transaction, at the customer's preference.
PCT/US2003/024535 2002-08-08 2003-08-06 Bill payment incentives system WO2004015528A2 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2003257193A AU2003257193A1 (en) 2002-08-08 2003-08-06 Bill payment incentives system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US40210702P 2002-08-08 2002-08-08
US60/402,107 2002-08-08

Publications (2)

Publication Number Publication Date
WO2004015528A2 WO2004015528A2 (en) 2004-02-19
WO2004015528A3 true WO2004015528A3 (en) 2004-06-03

Family

ID=31715789

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/024535 WO2004015528A2 (en) 2002-08-08 2003-08-06 Bill payment incentives system

Country Status (2)

Country Link
AU (1) AU2003257193A1 (en)
WO (1) WO2004015528A2 (en)

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5466919A (en) * 1993-04-02 1995-11-14 Hovakimian; Henry Credit/charge card system enabling purchasers to contribute to selected charities
US5945653A (en) * 1997-06-26 1999-08-31 Walker Asset Management Limited Partnership System and method for establishing and executing functions to affect credit card accounts and transactions
US6065675A (en) * 1997-06-30 2000-05-23 Cardis Enterprise International N.V. Processing system and method for a heterogeneous electronic cash environment

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5466919A (en) * 1993-04-02 1995-11-14 Hovakimian; Henry Credit/charge card system enabling purchasers to contribute to selected charities
US5945653A (en) * 1997-06-26 1999-08-31 Walker Asset Management Limited Partnership System and method for establishing and executing functions to affect credit card accounts and transactions
US6065675A (en) * 1997-06-30 2000-05-23 Cardis Enterprise International N.V. Processing system and method for a heterogeneous electronic cash environment

Also Published As

Publication number Publication date
AU2003257193A1 (en) 2004-02-25
WO2004015528A2 (en) 2004-02-19
AU2003257193A8 (en) 2004-02-25

Similar Documents

Publication Publication Date Title
US7021530B2 (en) System and method for managing and processing stored-value cards and bill payment therefrom
US8321347B2 (en) Integrated technology money transfer system
WO2004090690A3 (en) Fraud control method and system for network transactions
USRE39736E1 (en) Wireless telephony for collecting tolls, conducting financial transactions, and authorizing other activities
WO2007028004A3 (en) Credit proxy system and method
WO2004008288A3 (en) Method and system for a multi-purpose transactional platform
AU2087099A (en) System and method for controlling financial transactions over a wireless network
WO1998038562A3 (en) A patronage incentive award system incorporating retirement accounts and method thereof
WO2001063375A3 (en) Mobile transaction system and method
WO2004114168A8 (en) A system and method for facilitating on-line payment
MY131756A (en) Integrated full service consumer banking system and system and method for opening an account
WO2004107280A3 (en) System and method for electronic prepaid account replenishment
EP0926611A3 (en) Method for validation of electronic transactions
EP0959440A3 (en) System and method for automated electronic scrip transactions
RU2008127393A (en) METHOD AND SYSTEM FOR ORIGINAL AND REPEATED ACCOUNTING OF FUNDS TO PORTABLE CONSUMER DEVICES
WO2004104757A3 (en) System and method for facilitating a transaction between a merchant and a consumer
WO2002057876A3 (en) System and method for administering a brokerage rebate card program
US8731159B2 (en) Financial card activation method and system
HUP0302552A2 (en) System and method for purchasing goods and services through financial data network access ponts
CN105894264A (en) Payment method and device based on credit and loan payment ways and terminal
WO2001016768A8 (en) An online purchase system and method
WO2004015528A3 (en) Bill payment incentives system
WO2008027901A3 (en) Method, system, and apparatus for remittance processing over a network
CN112687015A (en) Parking payment method and system
EP0984411A3 (en) System and method for automated debiting and settling of financial transactions

Legal Events

Date Code Title Description
AK Designated states

Kind code of ref document: A2

Designated state(s): AE AG AL AM AT AU AZ BA BB BG BR BY BZ CA CH CN CO CR CU CZ DE DK DM DZ EC EE ES FI GB GD GE GH GM HR HU ID IL IN IS JP KE KG KP KR KZ LC LK LR LS LT LU LV MA MD MG MK MN MW MX MZ NO NZ OM PH PL PT RO RU SC SD SE SG SK SL TJ TM TN TR TT TZ UA UG UZ VC VN YU ZA ZM ZW

AL Designated countries for regional patents

Kind code of ref document: A2

Designated state(s): GH GM KE LS MW MZ SD SL SZ TZ UG ZM ZW AM AZ BY KG KZ MD RU TJ TM AT BE BG CH CY CZ DE DK EE ES FI FR GB GR HU IE IT LU MC NL PT RO SE SI SK TR BF BJ CF CG CI CM GA GN GQ GW ML MR NE SN TD TG

121 Ep: the epo has been informed by wipo that ep was designated in this application
122 Ep: pct application non-entry in european phase
NENP Non-entry into the national phase

Ref country code: JP

WWW Wipo information: withdrawn in national office

Country of ref document: JP