Patent ID: 7296003

Claim:
A system for enabling customers to visit a remote site and conduct transactions over a network with one or more provider processing systems, wherein payment is manually tendered at said remote site by said customers for said transactions, said system comprising: an agent processor, disposed at said remote site and accessing said network, configured to receive a customer selection of a desired business transaction conducted over said network with a particular provider processing system and customer transaction information and to process information associated with a customer payment receivable in forms including at least one of cash and a check and manually tendered by a customer at said remote site to a service provider to satisfy payment requirements of said customer selected transaction, while maintaining customer financial account information undisclosed to a transaction processor; and the transaction processor, in communication with said agent processor and said provider processing systems via said network, configured to receive said customer selection and customer transaction information from said agent processor and facilitate performance and completion of said customer selected transaction over said network with said particular provider processing system in response to said manual tender of said customer payment, said transaction processor including: a communication module configured to access a web site of said particular provider processing system performing said customer selected transaction; a transaction information module configured to examine said accessed web site to determine information required by said accessed web site to conduct said customer selected transaction and to transmit an information request to said agent processor requesting a portion of said required information, the portion of the required information not including customer financial account information; and a transaction performance module configured to receive said customer transaction information transmitted without any customer financial account information from said agent processor in response to said information request and to transmit said required information portion and payment information associated with said service provider to said particular provider processing system in order for said service provider to tender payment over said network for said customer to complete said transaction with said particular provider processing system in response to said manual tender of said customer payment indicated within said received customer transaction information.