The present invention is an integrated bill consolidation, payment aggregation, and account-payment application system. The system acts as a settlements exchange for the execution of payments between households or small businesses and the service establishments (principally utilities, financial institutions,...http://www.google.fr/patents/US5978780?utm_source=gb-gplus-shareBrevet US5978780 - Integrated bill consolidation, payment aggregation, and settlement system
Integrated bill consolidation, payment aggregation, and settlement system