US Patent No: 5,873,072

Number of patents in Portfolio can not be more than 2000

System and method for electronically providing customer services including payment of bills, financial analysis and loans

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Abstract

A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
CHECKFREE CORPORATIONNORCROSS, GA56

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Christenson, Tamara K Gahanna, OH 10 920
Cook, Kenneth Gahanna, OH 21 1019
Johnson, Mark A Plymouth, WI 104 2020
Kight, Peter J Alpharetta, GA 23 1085
Lach, Regina Dublin, OH 8 888
Pointer, Philip Columbus, OH 13 924

Cited Art

Patent Info (Count) # Cites Year
 
CHECKFREE CORPORATION (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 525 1991
 
PORTEL SERVICES NETWORK LIMITED PARTNERSHIP, 112 MAIN STREET, NORWALK, CONNECTICUT, A CONNECTICUT LIMITED PARTNERSHIP (1)
4,734,858 Data terminal and system for placing orders 309 1984
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1428 1986
 
TELAC CORP. (1)
4,649,563 Method of and means for accessing computerized data bases utilizing a touch-tone telephone instrument 164 1984
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
4,947,028 Automated order and payment system 594 1988
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (1)
4,484,328 Television line multiplexed data communication system 109 1981

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (105)
7,809,636 System and method for multicurrency and multibank processing over a non-secure network 0 1999
7,945,492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 0 2000
7,805,365 Automated statement presentation, adjustment and payment system and method therefor 16 2000
7,068,832 Lockbox imaging system 27 2000
6,867,789 System and method for generating graphical user interfaces 15 2000
7,831,508 System and method for implementing a consolidated application process 1 2000
7,058,817 System and method for single sign on process for websites with multiple applications and services 37 2000
7,747,866 System and method providing improved error detection related to transmission of data over a communication link 4 2000
8,015,084 System and method for linked account having sweep feature 0 2000
7,321,864 System and method for providing funding approval associated with a project based on a document collection 43 2000
7,584,125 Electronic check presentment system and method having an item sequence capability 2 2000
7,295,999 System and method for determining eligibility and enrolling members in various programs 35 2000
7,822,656 International banking system and method 1 2001
7,580,890 System and method for supervising account management operations 2 2001
7,246,263 System and method for portal infrastructure tracking 12 2001
7,103,576 System for providing cardless payment 9 2001
7,099,850 Methods for providing cardless payment 11 2001
8,285,641 System and method for selectable funding of electronic transactions 0 2001
8,438,086 System and method for providing customers with seamless entry to a remote server 0 2001
7,987,501 System and method for single session sign-on 1 2001
7,941,533 System and method for single sign-on session management without central server 2 2002
7,546,272 Trade receivable processing method and apparatus 16 2002
7,454,373 System and method for providing automated database assistance to financial service operators 0 2002
7,246,324 Method and system for data capture with hidden applets 10 2002
7,689,482 System and method for payer (buyer) defined electronic invoice exchange 13 2002
7,519,560 System and method for electronic authorization of batch checks 15 2002
7,437,327 Method and system for buyer centric dispute resolution in electronic payment system 23 2002
7,401,048 System and method for trade settlement tracking and relative ranking 40 2002
7,536,354 Methods for electronic multiparty accounts receivable and accounts payable systems 57 2002
7,689,506 System and method for rapid updating of credit information 6 2002
7,143,174 Method and system for delayed cookie transmission in a client-server architecture 3 2002
7,587,363 System and method for optimized funding of electronic transactions 57 2002
7,472,171 Method and system for determining receipt of a delayed cookie in a client-server architecture 9 2002
8,266,437 Electronic vouchers and a system and method for issuing the same 0 2002
7,058,660 System and method for network-based project management 3 2002
7,689,504 System and method for establishing or modifying an account with user selectable terms 19 2002
8,301,493 System and method for providing incentives to consumers to share information 0 2002
7,627,521 System and method for processing mircotransactions 8 2003
7,428,531 Customer information management system and method 2 2003
7,769,650 Network-based sub-allocation systems and methods for swaps 12 2003
7,353,383 System and method for single session sign-on with cryptography 16 2003
7,899,753 Systems and methods for time variable financial authentication 2 2003
8,306,907 System and method for offering risk-based interest rates in a credit instrument 1 2003
7,376,838 Method for controlled and audited access to privileged accounts on computer systems 6 2003
7,421,696 Methods and systems for managing successful completion of a network of processes 1 2004
7,742,997 System and method for management and delivery of content and rules 5 2004
8,190,893 Portable security transaction protocol 0 2004
8,290,862 Method and system for expediting payment delivery 0 2004
7,613,656 Coupon payment system 0 2004
7,983,468 Method and system for extracting information from documents by document segregation 0 2005
7,380,707 Method and system for credit card reimbursements for health care transactions 57 2005
7,360,686 Method and system for discovering significant subsets in collection of documents 1 2005
8,121,944 Method and system for facilitating network transaction processing 1 2005
7,676,409 Method and system for emulating a private label over an open network 22 2005
8,185,877 System and method for testing applications 5 2005
7,822,684 Personalized bank teller machine 4 2005
7,373,304 System and method for integrated customer management 3 2005
7,269,567 System and method for integrated customer management 2 2005
8,290,863 Method and system for expediting payment delivery 0 2005
7,783,578 System for providing cardless payment 1 2006
7,461,265 System and method for single sign on process for websites with multiple applications and services 10 2006
7,444,672 System and method for single sign on process for websites with multiple applications and services 15 2006
7,822,682 System and method for enhancing supply chain transactions 32 2006
7,317,823 Lockbox imaging system 42 2006
7,406,426 System and method for integrated customer management 5 2006
7,660,764 Service charge adjustment platform 0 2006
7,801,814 System and method for selectable funding of electronic transactions 9 2006
7,734,545 Method and system for processing recurring payments 14 2006
8,301,529 Method and system for implementing effective governance of transactions between trading partners 0 2006
8,145,522 System and method for establishing or modifying an account with user selectable terms 0 2006
7,366,698 Trade receivable processing method and apparatus 5 2006
7,966,496 System and method for single sign on process for websites with multiple applications and services 1 2006
8,296,160 System and method for integrated customer management 0 2006
8,335,855 System and method for portal infrastructure tracking 0 2007
8,185,940 System and method for providing discriminated content to network users 1 2007
7,685,013 System and method for automatic financial project management 5 2007
7,916,925 System and method for generating magnetic ink character recognition (MICR) testing documents 1 2007
7,471,818 Lockbox imaging system 22 2007
8,118,216 Method and system for discovering significant subsets in collection of documents 0 2007
7,680,735 Trade receivable processing method and apparatus 13 2007
7,766,244 System and method for processing transactions using a multi-account transactions device 14 2007
7,707,089 Method and system for automating fraud authorization strategies 4 2008
7,743,979 Method and system for credit card reimbursements for health care transactions 14 2008
7,660,765 System and method for processing microtransactions 6 2008
8,112,355 Method and system for buyer centric dispute resolution in electronic payment system 0 2008
8,391,584 Method and system for duplicate check detection 0 2008
7,668,363 Lockbox imaging system 14 2008
8,321,682 System and method for generating and managing administrator passwords 2009
8,065,231 Trade receivable processing method and apparatus 0 2009
8,160,960 System and method for rapid updating of credit information 1 2009
8,386,381 Method and system for detecting, monitoring and addressing data compromises 0 2009
8,045,784 Lockbox imaging system 4 2010
8,170,936 Method and system for emulating a private label over an open network 0 2010
8,032,438 Method and system for automating fraud authorization strategies 0 2010
7,904,388 Method and system for processing recurring payments 0 2010
8,015,096 Network-based sub-allocation systems and methods for swaps 0 2010
8,160,942 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2010
8,380,597 International banking system and method 0 2010
8,121,385 System and method for generating magnetic ink character recognition (MICR) testing documents 0 2011
8,244,625 System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms 0 2011
8,429,072 System and method for processing microtransactions 0 2011
8,429,069 System and method for processing microtransactions 0 2011
8,266,054 System and method for implementing a consolidated application process 0 2012
8,396,798 Method and system for facilitating network transaction processing 0 2012
D678653 Drive-up financial transaction machine 0 2012
 
CHECKFREE CORPORATION (33)
7,711,690 Dual source remittance processing 1 1998
6,289,322 Electronic bill processing 272 1998
6,334,116 Technique for centrally tracking transactions in an electronic billing system 46 1999
6,856,974 Electronic bill presentment technique with enhanced biller control 28 1999
7,240,031 Bill payment system and method with a master merchant database 17 2000
7,213,003 Bill payment system and method utilizing bank routing numbers 14 2000
7,636,688 Electronic bill processing with multi-level bill information storage 4 2001
7,366,697 Electronic bill presentment with bill categorization 7 2001
7,120,602 Bill availability notification and billing information request 11 2001
7,107,244 Bill payment system and method with merchant information 20 2001
7,933,826 Check metaphor for electronic payment authorization 0 2001
7,853,524 Systems and methods for risk based determination of a form for crediting a payee on behalf of a payer 5 2001
7,490,063 Remittance payment processing with account scheming and/or validation 4 2002
7,251,656 Electronic payments using multiple unique payee identifiers 16 2002
8,332,317 Verification of a financial instrument allowing rules-based pre-acceptance use of the financial instrument 0 2002
7,526,448 Matching consumers with billers having bills available for electronic presentment 4 2002
7,395,243 Technique for presenting matched billers to a consumer 14 2002
8,073,773 Technique for identifying probable billers of a consumer 1 2003
7,930,248 Technique for calculating payee specific time to payment completion 8 2003
6,932,268 Dual mode credit card based payment technique 32 2003
8,010,424 Payment processing with payee risk management 0 2003
7,809,617 Payment processing with selection of a risk reduction technique 0 2003
7,702,583 Payment processing with selection of an electronic debiting option 32 2003
7,653,598 Payment processing with selection of a processing parameter 1 2003
7,657,484 Electronic bill presentment via a wide area communications network 4 2003
7,383,226 Integrated electronic bill presentment and risk based payment 20 2003
7,729,996 Reuse of an EBP account through alternate authentication 1 2004
7,778,901 Integrated electronic presentment and payment of bills by different entities 5 2005
7,606,787 Propagating data to facilitate electronic payments to payees 4 2005
7,644,036 Credit card supported electronic payments 3 2006
7,702,585 Methods and systems for the determination and display of payment lead time in an electronic payment system 4 2006
7,996,311 Remittance payment processing with account scheming and/or validation 0 2009
8,165,956 Bill availability notification and billing information request 0 2011
 
GLOBYS, INC. (6)
7,430,531 System and method for assisting customers in choosing a bundled set of commodities using customer preferences 12 2000
7,006,980 Method and system for selecting optimal commodities based upon business profile and preferences 8 2000
7,996,310 Electronic financial management and analysis system and related methods 0 2000
7,711,606 Method and computer readable medium for assisting a customer in choosing among commodities 1 2005
7,774,271 Electronic financial management and analysis system and related methods 2 2006
7,707,090 Method and system for selecting optimal commodities based upon business profile and preferences 1 2008
 
ACCENTURE GLOBAL SERVICES LIMITED (5)
7,814,011 System for calculating a support payment in a network-based child support framework 0 2000
7,716,059 Network-based child support framework 0 2000
7,676,420 Electronic settlement of petroleum and gas distributions 4 2003
8,275,719 Electronic settlement of petroleum and gas distributions 0 2010
8,065,159 System, method and article of manufacture for a network-based child support framework 0 2010
 
CHECKFREE SERVICES CORPORATION (5)
7,792,749 Dynamic biller list generation 3 2000
7,953,660 Method and system for payment processing 0 2001
7,502,749 Method and system for making a monetary gift 3 2001
7,177,846 Technique for account authentication 15 2002
7,660,766 Technique for information flow to payees 2 2003
 
FRAUD CONTROL SYSTEMS.COM CORPORATION (5)
7,555,458 Method of billing a purchase made over a computer network 6 1999
6,553,108 Method of billing a communication session conducted over a computer network 38 2000
7,340,045 Method of billing a communication session conducted over a computer network 11 2006
8,229,844 Method of billing a purchase made over a computer network 0 2008
8,190,513 Method of billing a purchase made over a computer network 0 2008
 
METAVANTE CORPORATION (5)
8,165,958 Electronic bill presentation and payment method and system 0 1999
7,945,491 Integrated systems for electronic bill presentment and payment 0 2000
7,734,543 Electronic bill presentment and payment system 0 2001
7,370,014 Electronic bill presentment and payment system that obtains user bill information from biller web sites 2 2001
7,958,049 System and method for obtaining customer bill information and facilitating bill payment at biller websites 3 2003
 
THE WESTERN UNION COMPANY (5)
8,412,627 Online funds transfer method 0 2001
8,041,606 Online purchasing method 0 2001
8,015,085 System for distributing funds 11 2004
7,933,835 Secure money transfer systems and methods using biometric keys associated therewith 1 2007
7,716,128 Electronic indentifier payment systems and methods 1 2007
 
FIRST DATA CORPORATION (4)
7,076,465 Methods for processing a group of accounts corresponding to different products 37 1999
7,962,405 Merchant activation tracking systems and methods 0 2002
7,949,594 Systems and methods for participant controlled communications regarding financial accounts 0 2003
8,073,736 Systems and methods for redeeming rewards associated with accounts 0 2007
 
GENERAL ELECTRIC CANADA EQUIPMENT FINANCE G.P. (4)
7,249,074 Method, apparatus and computer program for managing accounting system interfaces 11 2000
7,194,431 Method and apparatus for managing remittance processing within account receivables 35 2000
6,847,942 Method and apparatus for managing credit inquiries within account receivables 38 2000
6,807,533 Web-based method and system for managing account receivables 10 2000
 
VISA INTERNATIONAL SERVICE ASSOCIATION (4)
7,711,639 Pre-funding system and method 3 2005
8,335,745 Method and system for processing micropayment transactions 0 2007
8,036,985 Pre-funding system and method 0 2010
8,280,788 Peer-to-peer and group financial management systems and methods 0 2010
 
ALOFT MEDIA, LLC (3)
7,970,722 System, method and computer program product for a collaborative decision platform 0 2009
8,160,988 System, method and computer program product for a collaborative decision platform 0 2010
8,005,777 System, method and computer program product for a collaborative decision platform 10 2010
 
EBAY INC. (3)
7,499,875 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 15 2000
7,899,712 Method and apparatus for facilitating online payment transactions in a network-based transaction facility 3 2006
8,255,325 Method and apparatus for facilitating online payment transactions in a network-based transaction facility using multiple payment instruments 0 2009
 
ECOVA, INC. (3)
6,035,285 Electronic bill presenting methods and bill consolidating methods 178 1999
6,052,671 Computerized bill consolidation, billing and payment authorization with remote access to the billing information 59 1999
6,088,688 Computerized resource accounting methods and systems, computerized utility management methods and systems, multi-user utility management methods and systems, and energy-consumption-based tracking methods and systems 67 1999
 
HITACHI, LTD. (3)
6,058,382 Electronic money holding device utilizing an automatic payment method 19 1997
6,502,078 Electronic money holding device and electronic money automatic payment method 3 2000
6,728,686 Electronic money holding device and electronic money automatic payment method 4 2002
 
INTUIT INC. (3)
7,395,241 Consumer-directed financial transfers using automated clearinghouse networks 35 2000
7,783,567 Bill payment migration 0 2005
7,720,760 Consumer-directed financial transfers using automated clearinghouse networks 4 2008
 
PARADOX TECHNICAL SOLUTIONS LLC (3)
8,250,225 Generation of suffixes for pseudo e-mail addresses 0 2004
7,567,936 Method and apparatus for handling pseudo identities 30 2004
8,001,047 Method and apparatus for effecting payment 0 2005
 
QUALCOMM INCORPORATED (3)
8,160,959 Methods and systems for payment transactions in a mobile environment 1 2006
8,145,568 Methods and systems for indicating a payment in a mobile environment 0 2006
8,121,945 Methods and systems for payment method selection by a payee in a mobile environment 1 2006
 
WELLS FARGO BANK, NATIONAL ASSOCIATION (3)
7,333,953 Method and apparatus for integrated payments processing and decisioning for internet transactions 20 2000
8,145,567 Transaction ID system and process 0 2005
8,204,826 Method and apparatus for integrated payments processing and decisioning for internet transactions 1 2007
 
AT&T INTELLECTUAL PROPERTY I, L.P. (2)
7,917,436 Internet billing method 0 2007
8,086,532 Internet billing method 0 2011
 
AUTOSCRIBE CORPORATION (2)
7,117,171 System and method for making a payment from a financial account 9 2000
6,862,578 System and method for making a payment from a financial account 0 2000
 
CAPITAL ONE FINANCIAL CORPORATION (2)
7,123,698 Automatic payment system and method 3 2002
7,953,658 Systems and methods for processing credit card transactions that exceed a credit limit 0 2008
 
CASHEDGE, INC. (2)
7,797,207 Method and apparatus for analyzing financial data 18 2000
8,255,336 Method and apparatus for managing transactions 0 2007
 
CHASE BANK USA, NATIONAL ASSOCIATION (2)
7,426,530 System and method for providing customers with seamless entry to a remote server 22 2000
7,756,816 System and method for network-based project management 0 2005
 
FISERV, INC. (2)
8,244,646 Systems and methods for determining estimated lead times 1 2009
8,433,659 Systems and methods for determining estimated lead times 0 2012
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (2)
6,493,685 Electronic account presentation and response system and method 238 1999
7,486,783 Bill payment system and method 0 2004
 
MONEY NETWORK FINANCIAL, LLC (2)
8,365,987 Pre-allocated negotiable instrument and presentation instrument purchasing and activation systems and methods 0 2007
8,286,860 Negotiable instrument to presentation instrument value porting systems and methods 0 2007
 
MOSIDIO FUND III, LIMITED LIABILITY COMPANY (2)
6,970,843 Financial management system 58 2000
7,219,082 Financial management system 9 2005
 
ORACLE INTERNATIONAL CORPORATION (2)
7,814,012 Aggregated postal billing and payment methods and systems 30 2003
8,140,432 Aggregated postal billing and payment methods and systems 0 2010
 
PI-NET INTERNATIONAL, INC. (2)
8,037,158 Multimedia transactional services 0 2007
8,108,492 Web application network portal 0 2009
 
U.S. BANCORP LICENSING, INC. (2)
7,702,577 System and method for conversion of initial transaction to final transaction 5 2004
7,702,553 System and method for conversion of initial transaction to final transaction 2 2008
 
VISA U.S.A. INC. (2)
7,822,679 Method and system for conducting a commercial transaction between a buyer and a seller 2 2001
7,827,108 System and method of validating a relationship between a user and a user account at a financial institution 0 2008
 
ARUNACHALAM, LAKSHMI (1)
7,930,340 Network transaction portal to control multi-service provider transactions 3 2001
 
BELLSOUTH INTELLECTUAL PROPERTY CORPORATION (1)
7,080,035 System and method for notifying an electronic billing vendor of a customer status change 11 2000
 
CHASE MANHATTAN BANKS USA, NATIONAL ASSOCIATION (1)
7,272,857 Method/system for preventing identity theft or misuse by restricting access 9 2002
 
CLEARING HOUSE PAYMENTS COMPANY L.L.C., THE (1)
7,979,348 Payment identification code and payment system using the same 1 2003
 
CREDIT CARD FRAUD CONTROL CORPORATION (1)
7,013,001 Method of billing a communication session conducted over a computer network 29 2002
 
DELUXE CORPORATION (1)
7,283,981 Browser-based system for ordering financial products 11 2003
 
EMERGIS TECHNOLOGIES, INC. (1)
7,702,579 Interactive invoicer interface 1 2000
 
FIRENSITI II CONSULTING LLC (1)
6,298,335 Method of controlling payment of debts 59 1998
 
FIRETHORN MOBILE, INC. (1)
8,073,769 Methods and systems for payment transactions in a mobile environment 0 2006
 
GLOBAL EXPRESS MONEY ORDERS, INC. (1)
6,611,818 Method and apparatus for facilitating customer payments to creditors from a remote site 27 2000
 
GLOBEX FINANCIAL SERVICES, INC. (1)
7,296,003 Method and apparatus for facilitating manual payments for transactions conducted over a network 5 2001
 
J.P. MORGAN CHASE BANK (1)
7,392,386 Setuid-filter method for providing secure access to a credentials store for computer systems 0 2004
 
JP MORGAN CHASE (1)
7,814,003 Billing workflow system for crediting charges to entities creating derivatives exposure 0 2004
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
8,027,890 Methods and systems for processing a financial transaction 1 2008
 
MELLON BANK, N.A. (1)
6,360,211 System and method for electronically processing invoice information 45 1999
 
MICROSOFT CORPORATION (1)
7,240,028 Automated financial register reconciliation in a combined user interface 9 2002
 
MOBIUS MANAGEMENT SYSTEMS, INC. (1)
6,721,716 Payment certification string and related electronic payment system and method 56 2000
 
NIXU OY (1)
6,029,151 Method and system for performing electronic money transactions 62 1997
 
NOKIA CORPORATION (1)
6,366,893 System, a method and an apparatus for performing an electric payment transaction in a telecommunication network 112 1998
 
PARAGON TRADE BRANDS, INC. (1)
7,266,839 System and method for providing discriminated content to network users 15 2001
 
PATENT AND TRADEMARK FEE MANAGEMENT, LLC (1)
7,680,733 Computerized patent and trademark fee payment method and system 1 1999
 
U.S. BANK NATIONAL ASSOCIATION, AS COLLATERAL TRUSTEE (1)
7,792,717 Waterfall prioritized payment processing 38 2004
 
VANTER DEVELOPMENT, LLC (1)
6,988,085 System and method for real-time electronic inquiry, delivery, and reporting of credit information 30 1999
 
WALENBRECK GMBH, LLC (1)
7,593,870 Method for telephone-based authenticated authorization of transactions 3 2005
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (7)
7,155,614 System and method for single sign on process for websites with multiples applications and services 11 2006
8,443,198 Trusted and secure techniques for item delivery and execution 0 2007
8,407,318 Managing services on a network 0 2009
8,346,894 Real-time web transactions from web applications 0 2009
8,244,833 Real-time web transaction systems to access on-line services over the web from web applications 0 2009
8,447,641 System and method for automatically enrolling buyers into a network 0 2010
8,407,145 Transaction ID system and process 0 2012