| 摘要 |
<p>The present invention is an integrated bill consolidation, payment aggregation, and account-payment system. The system provides consolidated billing of a plurality of services to a plurality of households (102), the payment to individual service establishments (101) in aggregate "bullet" transfers (verses individual household payments), and the automated application of payments to service establishment accounts (101). The present system computes, stores, and communicates the information needed to direct the financial institution (104) processing of debit and credit transactions between a plurality of service establishments (101) and households (102). The system provides for a number of methods of payment, adjusts for partial and delayed payments, and automatically structures and schedules payments in arrears.</p> |
