The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Nov. 23, 2010
Filed:
Apr. 18, 2008
Maximiliano C. Juarez, Helotes, TX (US);
Paul Oncale, Iii, Cibolo, TX (US);
Maximiliano C. Juarez, Helotes, TX (US);
Paul Oncale, III, Cibolo, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
Abstract
An organization electronically receives a payment from a customer of the organization based on a current time. If the current time is before a predetermined time relating to an identified payment due date, a non-real-time payment system is employed to effectuate the payment from the customer. The non-real-time payment system processes the payment at a later time on or before the identified payment due date such that the payment is applied to the customer on or before the identified payment due date. If the current time is after a predetermined time relating to the identified payment due date, a real-time payment system is employed to effectuate the payment from the customer. The real-time payment system processes the payment at the current time such that the payment is applied to the customer at the current time.