公开(公告)号：US08484131B2

公开(公告)日：2013-07-09

申请号：US13213875

申请日：2011-08-19

申请人： Mary L. Kelly ,  Terry Altman

发明人： Mary L. Kelly ,  Terry Altman

IPC分类号： G06Q40/00

CPC分类号： G06Q20/14 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/12

摘要： A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on behalf of a consumer in response to a bill associated with a biller, determining using a computer system that the received electronic bill payment is an exception payment wherein the exception payment includes the electronic bill payment submitted by the consumer having consumer entered information not matching a criterion for accepting electronic payment required by the biller, creating an exception addenda record for the exception payment using data stored within a database wherein the addenda record identifies the consumer submitting the exception payment, and posting the exception payment to an appropriate consumer account for the biller based on the addenda record.

摘要翻译： 提供了一种处理电子账单支付等金融交易的方法。 该方法包括接收电子账单支付，其中响应于与账单相关联的账单代表消费者提交账单支付，使用计算机系统确定所接收的电子账单支付是异常支付，其中异常支付包括 消费者提交的消费者输入的信息不符合接收用户要求的电子支付的标准的信息，使用存储在数据库中的数据创建用于异常支付的异常添加记录，其中附加记录识别提交异常支付的消费者 ，并根据附加记录将例外付款发布给帐单的适当的消费者帐户。

公开(公告)号：US20090037303A1

公开(公告)日：2009-02-05

申请号：US12182883

申请日：2008-07-30

申请人： Mary L. Kelly ,  Terry Altman

发明人： Mary L. Kelly ,  Terry Altman

IPC分类号： G06Q10/00 ,  G06Q20/00

CPC分类号： G06Q20/14 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/12

摘要： A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on behalf of a consumer in response to a bill associated with a biller, determining using a computer system that the received electronic bill payment is an exception payment wherein the exception payment includes the electronic bill payment submitted by the consumer having consumer entered information not matching a criterion for accepting electronic payment required by the biller, creating an exception addenda record for the exception payment using data stored within a database wherein the addenda record identifies the consumer submitting the exception payment, and posting the exception payment to an appropriate consumer account for the biller based on the addenda record.

摘要翻译： 提供了一种处理电子账单支付等金融交易的方法。 该方法包括接收电子账单支付，其中响应于与账单相关联的账单代表消费者提交账单支付，使用计算机系统确定所接收的电子账单支付是异常支付，其中异常支付包括 消费者提交的消费者输入的信息不符合接收用户要求的电子支付的标准的信息，使用存储在数据库中的数据创建用于异常支付的异常添加记录，其中附加记录识别提交异常支付的消费者 ，并根据附加记录将例外付款发布给帐单的适当的消费者帐户。

公开(公告)号：US20110302082A1

公开(公告)日：2011-12-08

申请号：US13213875

申请日：2011-08-19

申请人： Mary L. Kelly ,  Terry Altman

发明人： Mary L. Kelly ,  Terry Altman

IPC分类号： G06Q40/00

CPC分类号： G06Q20/14 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/12

摘要： A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on behalf of a consumer in response to a bill associated with a biller, determining using a computer system that the received electronic bill payment is an exception payment wherein the exception payment includes the electronic bill payment submitted by the consumer having consumer entered information not matching a criterion for accepting electronic payment required by the biller, creating an exception addenda record for the exception payment using data stored within a database wherein the addenda record identifies the consumer submitting the exception payment, and posting the exception payment to an appropriate consumer account for the biller based on the addenda record.

摘要翻译： 提供了一种处理电子账单支付等金融交易的方法。 该方法包括接收电子账单支付，其中响应于与账单相关联的账单代表消费者提交账单支付，使用计算机系统确定所接收的电子账单支付是异常支付，其中异常支付包括 消费者提交的消费者输入的信息不符合接收用户要求的电子支付的标准的信息，使用存储在数据库中的数据创建用于异常支付的异常添加记录，其中附加记录识别提交异常支付的消费者 ，并根据附加记录将例外付款发布给帐单的适当的消费者帐户。

公开(公告)号：US08027890B2

公开(公告)日：2011-09-27

申请号：US12182883

申请日：2008-07-30

申请人： Mary L. Kelly ,  Terry Altman

发明人： Mary L. Kelly ,  Terry Altman

IPC分类号： G07B17/00

CPC分类号： G06Q20/14 ,  G06Q20/042 ,  G06Q20/10 ,  G06Q20/102 ,  G06Q30/04 ,  G06Q40/00 ,  G06Q40/12

摘要： A method for processing a financial transaction such as an electronic bill payment is provided. The method includes receiving an electronic bill payment wherein the bill payment is submitted on behalf of a consumer in response to a bill associated with a biller, determining using a computer system that the received electronic bill payment is an exception payment wherein the exception payment includes the electronic bill payment submitted by the consumer having consumer entered information not matching a criterion for accepting electronic payment required by the biller, creating an exception addenda record for the exception payment using data stored within a database wherein the addenda record identifies the consumer submitting the exception payment, and posting the exception payment to an appropriate consumer account for the biller based on the addenda record.

摘要翻译： 提供了一种处理电子账单支付等金融交易的方法。 该方法包括接收电子账单支付，其中响应于与账单相关联的账单代表消费者提交账单支付，使用计算机系统确定所接收的电子账单支付是异常支付，其中异常支付包括 消费者提交的消费者输入的信息不符合接收用户要求的电子支付的标准的信息，使用存储在数据库中的数据创建用于异常支付的异常添加记录，其中附加记录识别提交异常支付的消费者 ，并根据附加记录将例外付款发布给帐单的适当的消费者帐户。