Catherine J Rogers

US Patent:

RE38715, Mar 22, 2005

Filed:

Mar 13, 2003

Appl. No.:

10/387992

Inventors:

Catherine R. Rogers - Dallas TX, US

Assignee:

BMC Resources, Inc. - Dallas TX

International Classification:

H04M011/00

US Classification:

379 9101, 705 40

Abstract:

Method and apparatus for processing payment transactions using debit card numbers without the requirement of a personal identification number (PIN) is disclosed. A telepay system of the present invention provides an interface between a standard touchtone telephone and at least one debit card network such that real-time bill payment transactions may be effected using a keypad of the telephone. The telepay system includes an interactive voice response unit for prompting a payor to enter an access code, account number, debit card number and payment amount and for informing the user of the status of the transaction. Real-time processing of transactions is provided through use of debit card networks, rather than the Automated Clearing House. The telepay system is also capable of performing settlement functions and processing inquiries by payees of the system regarding previously processed transactions.

US Patent:

RE38801, Sep 27, 2005

Filed:

Mar 13, 2003

Appl. No.:

10/389735

Inventors:

Catherine R. Rogers - Dallas TX, US

Assignee:

BMC Resources, Inc. - Dallas TX

International Classification:

H04M011/00

US Classification:

379 9101, 705 40

Abstract:

Method and apparatus for processing payment transactions using debit card numbers without the requirement of a personal identification number (PIN) is disclosed. A telepay system of the present invention provides an interface between a standard touchtone telephone and at least one debit card network such that real-time bill payment transactions may be effected using a keypad of the telephone. The telepay system includes an interactive voice response unit for prompting a payor to enter an access code, account number, debit card number and payment amount and for informing the user of the status of the transaction. Real-time processing of transactions is provided through use of debit card networks, rather than the Automated Clearing House. The telepay system is also capable of performing settlement functions and processing inquiries by payees of the system regarding previously processed transactions.

US Patent:

56527861, Jul 29, 1997

Filed:

May 16, 1996

Appl. No.:

8/649926

Inventors:

Catherine R. Rogers - Dallas TX

Assignee:

Telepay - Dallas TX

International Classification:

H04M 1100

US Classification:

379 9101

Abstract:

Method and apparatus for processing payment transactions using debit card numbers without the requirement of a personal identification number (PIN) is disclosed. A telepay system of the present invention provides an interface between a standard touchtone telephone and at least one debit card network such that real-time bill payment transactions may be effected using a keypad of the telephone. The telepay system includes an interactive voice response unit for prompting a payor to enter an access code, account number, debit card number and payment amount and for informing the user of the status of the transaction. Real-time processing of transactions is provided through use of debit card networks, rather than the Automated Clearing House. The telepay system is also capable of performing settlement functions and processing inquiries by payees of the system regarding previously processed transactions.

US Patent:

58704566, Feb 9, 1999

Filed:

Oct 7, 1997

Appl. No.:

8/946272

Inventors:

Catherine R. Rogers - Dallas TX

Assignee:

Telepay, Inc. - Dallas TX

International Classification:

H04M 1100

US Classification:

379 9101

Abstract:

Method and apparatus for processing payment transactions using debit card numbers without the requirement of a personal identification number (PIN) is disclosed. A telepay system of the present invention provides an interface between a standard touchtone telephone and at least one debit card network such that real-time bill payment transactions may be effected using a keypad of the telephone. The telepay system includes an interactive voice response unit for prompting a payor to enter an access code, account number, debit card number and payment amount and for informing the user of the status of the transaction. Real-time processing of transactions is provided through use of debit card networks, rather than the Automated Clearing House. The telepay system is also capable of performing settlement functions and processing inquiries by payees of the system regarding previously processed transactions.

US Patent:

57152985, Feb 3, 1998

Filed:

Jan 22, 1997

Appl. No.:

8/787981

Inventors:

Catherine R. Rogers - Dallas TX

Assignee:

Telepay - Dallas TX

International Classification:

H04M 1100

US Classification:

379 9101

Abstract:

Method and apparatus for processing payment transactions using debit card numbers without the requirement of a personal identification number (PIN) is disclosed. A telepay system of the present invention provides an interface between a standard touchtone telephone and at least one debit card network such that real-time bill payment transactions may be effected using a keypad of the telephone. The telepay system includes an interactive voice response unit for prompting a payor to enter an access code, account number, debit card number and payment amount and for informing the user of the status of the transaction. Real-time processing of transactions is provided through use of debit card networks, rather than the Automated Clearing House. The telepay system is also capable of performing settlement functions and processing inquiries by payees of the system regarding previously processed transactions.