Propagating data to facilitate electronic payments to payees
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
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Oct 20, 2009
Grant Date -
Oct 13, 2005
app pub date -
Jun 7, 2005
filing date -
Jul 26, 2002
priority date (Note) -
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Abstract
Payments on behalf of a plurality of payors to a plurality of payees are facilitated using respective first data associated with each payor and respective second data associated with each of those payees payable by crediting via electronic funds transfer (EFT), such as by ACH transfer. The respective first data associated with each payor includes payee identity information for each payee designated by that payor, and could for example take the form of a payee list for that payor. The respective second data associated with each payee payable by crediting via EFT includes payment information identifying a deposit account of that payee. Information identifying a first of the payees and a deposit account of the first payee is received by a payment service provider. The first payee is not currently one of those payees associated with respective second data, when this information is received. The payment service provider stores a payee identifier for the first payee in association with payment information corresponding to the received information identifying the first payee deposit account as respective second data associated with the first payee. After receipt of the information identifying the first payee and the first payee deposit account, the payment service provider determines that the respective first data associated with a first payor includes payee identity information for the first payee and, based on this determination, stores an indicator indicating that the first payee is payable by crediting via EFT, in association with the payee identity information for the first payee in the respective first data associated with the first payor.
First Claim
Family
- 15 United States
- 10 France
- 8 Japan
- 7 China
- 5 Korea
- 2 Other
Patent Owner(s)
- CHECKFREE CORPORATION
International Classification(s)
- [Classification Symbol]
- [Patents Count]
Inventor(s)
Inventor Name | Address | # of filed Patents | Total Citations |
---|---|---|---|
Baulch, Howard | Dublin , US | 5 | 186 |
Keown, Blake | Lewis Center , US | 5 | 186 |
Koltnow, Adam | Delaware , US | 23 | 413 |
Moenickheim, Peter | Dublin , US | 15 | 1038 |
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Maintenance Fees
Fee | Large entity fee | small entity fee | micro entity fee | due date |
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Fee | Large entity fee | small entity fee | micro entity fee |
---|---|---|---|
Surcharge after expiration - Late payment is unavoidable | $700.00 | $350.00 | $175.00 |
Surcharge after expiration - Late payment is unintentional | $1,640.00 | $820.00 | $410.00 |
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