Patent ID: 6119106
Filing Date: 2000-09-12
Classification: G06Q

Abstract:
Apparatus for enabling customers of a plurality of creditors to visit a remote site and manually tender payment in response to receiving from at least one of said creditors a creditor billing statement including a customer account balance owed to a corresponding creditor, wherein customer payments tendered at said remote site are applied to corresponding customer account balances and at least two of said customer payments are directed to different creditors, said apparatus comprising:agent processing means, disposed at said remote site, for processing said customer payments manually tendered at said remote site and storing customer payment information relating to said customer payments, wherein said agent processing means includes transmission means for transmitting to a service provider site, at selected transmission times, said customer payment information accumulated between said transmission times;host processing means, disposed at said service provider site, for receiving said accumulated customer payment information from said agent processing means and including:creditor report means for generating a creditor report for at least two of said creditors including creditor collection information relating to each of said customer payments tendered at said remote site for the respective creditors, wherein said creditor report means includes:data extraction means for processing said received accumulated information to retrieve creditor collection information contained within said received accumulated information;data examining means for examining creditor information contained within said retrieved information to identify a plurality of creditors associated with said retrieved information;data format means for comparing creditor information associated with each customer payment contained within said retrieved creditor collection information to said identified creditors to arrange said retrieved information into at least two creditor sections with each creditor section including said creditor collection information associated with a different creditor, wherein said creditor collection information contained within the same creditor section is associated with the same creditor; andreport generation means for generating said creditor report for said at least two creditors to include the creditor section associated with that creditor; andreport transmission means for transmitting said creditor report for each of said at least two creditors to the corresponding creditor; anda plurality of creditor processing means with each creditor processing means disposed at a respective creditor site for receiving said creditor report associated with said respective creditor from said host processing means and processing said creditor collection information to update said corresponding customer account balances based on the customer payments tendered at said remote site.