Centralized payment method and system for online and offline transactions
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United States of America Patent
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Oct 28, 2014
Grant Date -
Sep 27, 2012
app pub date -
Jun 4, 2012
filing date -
Apr 27, 2007
priority date (Note) -
In Force
status (Latency Note)
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Abstract
Embodiments described herein include an electronic transaction service network (also referred to herein as a centralized electronic transaction (CET) service). According to an embodiment, a financial management system hosts multiple CET web sites on behalf of multiple merchants. All transactions through any CET web site are executed and managed by the financial management system. Merchants may customize their web sites to include a branded look and feel. The merchant web sites are part of a CET service for which a customer can register. Registered customers can then view and pay invoices from any merchants having CET web sites, whether purchases were made online or offline. Customers specify preferences for the CET service including choosing existing customer accounts from which the financial management system is to pay invoices on behalf of the customer. This eliminates the need for the customer to open and fund a separate payment account as in traditional methods.
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