A system and method of collecting payments uses an automated system to generate a draft, payable to the creditor and drawn on the payor's checking account, pursuant to the payor's authorization. The draft is then executed by the debt collector as authorized signatory for the payor, and deposited into...http://www.google.de/patents/US5966698?utm_source=gb-gplus-sharePatent US5966698 - Automated payment system and method
