Method for future payment transactions
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United States of America Patent
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Oct 19, 2010
Issued Date -
N/A
app pub date -
Mar 9, 2006
filing date -
Oct 19, 2004
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A method for the online modification, submission and approval processing of a future payment request to afford a user the ability to renegotiate established loan agreement debt terms in which network communications are established between a user, such as a debtor, and a server is presented. The method comprises receiving information, at the server, regarding the loan agreement debt terms, presenting received information to a debtor, providing an interactive environment enabling a debtor to modify existing terms, submitting modified terms, processing data from the available information using a rules based engine, and processing a future payment request based on at least one decision made by the rules based engine. While online, the user/debtor may engage in revising a rejected future payment request in an attempt to reach a satisfactory renegotiation of debt terms.
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