US Patent No: 7,734,545

Number of patents in Portfolio can not be more than 2000

Method and system for processing recurring payments

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Abstract

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According to an embodiment of the present invention, a computer implemented method and system for processing payments may involve receiving a payment file from a paying entity; identifying at least one payee from the payment file; identifying a payment amount for the at least one payee for a contribution based on a pre-existing contract between the paying entity and the at least one payee for recurring payments to the at least one payee; identifying a payment method for the at least one payee from a payee profile; and distributing the payment amount via the payment method to the at least one payee; wherein a group manages the recurring payments for the at least one payee.

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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1959

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fogliano, Frank J Monroe, US 4 40
Gniewosz, Dennis J Langhorne, US 2 40
Striano, Riccardo M Pelham, US 2 40
Trupia, Paul Gerard Massapequa, US 2 40

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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HITACHI, LTD. (1)
4,988,849 Financial transaction system 184 1988
 
FOLIO(FN), INC. (1)
6,338,047 Method and system for investing in a group of investments that are selected based on the aggregated, individual preference of plural investors 187 1999
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
5,794,221 Internet billing method 385 1995
 
ACCENT.COM, INC. (1)
7,194,437 Computer-based funds transfer system 114 1999
 
GOOGLE TECHNOLOGY HOLDINGS LLC (1)
6,434,159 Transaction system and method therefor 202 1999
 
Sansho Seiyaku Co., Ltd. (1)
5,599,528 Preparation for epidermis 91 1994
 
IP-TPG HOLDCO S.A.R.L. (1)
5,572,004 Method for paying for services and/or goods and apparatus for carrying out the method 135 1995
 
DIVERSITYPATENT, LLC (1)
5,819,238 Apparatus and accompanying methods for automatically modifying a financial portfolio through dynamic re-weighting based on a non-constant function of current capitalization weights 346 1996
 
CONNOTECH Experts-conseils, inc. (1)
5,590,196 Secure payment method using facsimile 311 1994
 
KABUSHIKI KAISHA TOSHIBA (1)
2001/0018,666 Settlement system using purchase information 50 2001
 
INTER*ACT SYSTEMS, INCORPORATED (3)
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 360 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 288 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 319 1995
 
Cummins-Allison Corp. (4)
6,363,164 Automated document processing system using full image scanning 302 1997
6,661,910 Network for transporting and processing images in real time 236 1998
6,860,375 Multiple pocket currency bill processing device and method 160 2002
7,200,255 Document processing system using full image scanning 185 2003
 
LONGITUDE LLC (1)
6,321,212 Financial products having a demand-based, adjustable return, and trading exchange therefor 683 1999
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (11)
5,506,691 Method and apparatus for image processing at remote sites 222 1994
5,444,841 Graphical user interface control for replicating data fields in forms 113 1994
5,687,250 Image quality analysis method and apparatus 104 1995
6,240,444 Internet web page sharing 240 1996
6,041,312 Object oriented technology framework for accounts receivable and accounts payable 134 1997
6,278,981 Computer-implemented method and apparatus for portfolio compression 270 1998
6,535,896 Systems, methods and computer program products for tailoring web page content in hypertext markup language format for display within pervasive computing devices using extensible markup language tools 207 1999
6,493,685 Electronic account presentation and response system and method 333 1999
6,374,235 Method, system, and program for a join operation on a multi-column table and satellite tables including duplicate values 98 1999
2002/0111,837 Verification method for web-delivered materials using self-signed certificates 93 2001
2003/0097,335 Secure method and system for determining charges and assuring privacy 76 2001
 
WYNN, SOL H. (1)
5,859,419 Programmable multiple company credit card system 466 1995
 
AT&T IPM CORP. (2)
5,479,494 Virtual calling card system 284 1992
5,708,422 Transaction authorization and alert system 509 1995
 
DUOCASH, INC. (1)
2001/0047,334 System and method for using existing prepaid card systems for making payments over the internet 90 2001
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 1054 1995
 
Bostec Systems, Inc. (1)
5,080,748 Card assembly apparatus 177 1990
 
CHECKFREE SERVICES CORPORATION (2)
2002/0087,468 Electronic payment risk processing 152 2000
2002/0087,469 Technique of registration for and direction of electronic payments in real-time 141 2000
 
SOLOMON RESEARCH LLC (2)
2002/0069,134 System, method and apparatus for aggregation of cooperative intelligent agents for procurement in a distributed network 128 2001
2003/0233,305 System, method and apparatus for information collaboration between intelligent agents in a distributed network 96 2001
 
CHECKFREE CORPORATION (4)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 345 1995
6,289,322 Electronic bill processing 387 1998
2004/0064,409 System and method for bill delivery and payment over a communications network 90 2003
* 2005/0228,751 Propagating data to facilitate electronic payments to payees 24 2005
 
FUJITSU LIMITED (2)
5,321,238 Banking apparatus for processing the bill and the check 203 1991
6,003,762 Transaction terminal for an electronic cashless system 264 1994
 
CAPITAL SECURITY SYSTEMS, INC. (2)
5,897,625 Automated document cashing system 443 1997
5,987,439 Automated banking system for making change on a card or user account 206 1997
 
SIAMR SOLUTIONS FZ LLC (1)
2006/0287,953 GLOBAL WEB-BASED FINANCIAL REMITANCE SYSTEM AND PROCESS 59 2006
 
FIRST DATA CORPORATION (3)
5,679,938 Methods and systems for interactive check authorizations 324 1994
5,679,940 Transaction system with on/off line risk assessment 385 1995
6,490,568 Automated system and method for monitoring financial transactions 118 1999
 
ARBITOR, INC. (1)
2002/0138,398 Automated bandwidth exchange node system 87 2001
 
WMR E-PIN LLC (1)
2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 176 2004
 
V-One Corporation (1)
5,590,197 Electronic payment system and method 868 1995
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 291 1994
 
STRATTON, JOSEPH F. (1)
4,672,377 Check authorization system 253 1985
 
AMCOL INTERNATIONAL CORPORATION (1)
4,975,841 Method and apparatus for reporting customer data 133 1990
 
MOTOROLA SOLUTIONS, INC. (1)
5,459,482 Facsimile communication with an active addressing display device 54 1993
 
Phoenix Licensing, LLC (1)
6,076,072 Method and apparatus for preparing client communications involving financial products and services 339 1997
 
PAYPAL INTERNATIONAL LIMITED (1)
6,205,433 System and method for multi-currency transactions 210 1998
 
PAYPAL, INC. (2)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 865 1994
5,832,460 Method and system for bill presentation and payment reconciliation 357 1995
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0011,222 INTEGRATED PROCUREMENT MANAGEMENT SYSTEM USING PUBLIC COMPUTER NETWORK 124 1998
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 338 1993
 
JPMORGAN CHASE BANK, N.A. (28)
5,424,938 Method and apparatus for providing access to a plurality of payment networks 276 1992
6,181,837 Electronic check image storage and retrieval system 216 1994
5,917,965 Method and apparatus for storing images of documents having magnetic ink code line 149 1995
5,940,844 Method and apparatus for displaying electronic image of a check 282 1995
6,006,208 MICR line decoding logic system 91 1998
6,301,567 Lockbox browser system 111 1998
6,227,447 Cardless payment system 440 1999
6,718,388 Secured session sequencing proxy system and method therefor 61 1999
6,574,377 Electronic check image storage and retrieval system 243 1999
7,062,456 System and method for back office processing of banking transactions using electronic files 95 1999
7,068,832 Lockbox imaging system 49 2000
2003/0208,421 Electronic check presentment system and method having an item sequence capability 98 2000
6,631,849 Selectable multi-purpose card 470 2000
2003/0208,441 Electronic bill presentment and payment system and method 114 2001
7,526,449 Optically encoded card and system and method for using 19 2001
2002/0077,978 Method and system for processing internet payments 371 2001
7,401,048 System and method for trade settlement tracking and relative ranking 75 2002
2003/0061,157 Multiple account advanced payment card and method of routing card transactions 109 2002
2003/0101,131 System and method for establishing or modifying an account with user selectable terms 163 2002
7,392,222 System and method for providing promotional pricing 113 2004
7,191,952 Selectable multi-purpose card 110 2004
7,380,707 Method and system for credit card reimbursements for health care transactions 100 2005
7,263,507 Customer activated multi-value (CAM) card 54 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 96 2005
7,317,823 Lockbox imaging system 78 2006
2007/0118,470 System and Method for Establishing or Modifying an Account With User Selectable Terms 25 2006
2008/0288,396 System and Method For Combined Reconciliation Of Co-Branded Card Promotion And Settlement Of Private Label Card Accounts 30 2007
2008/0193,008 System and Method for Generating Magnetic Ink Character Recognition (MICR) Testing Documents 36 2007
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5,748,780 Method and apparatus for imaging, image processing and data compression 257 1994
 
MICROSOFT TECHNOLOGY LICENSING, LLC (6)
5,852,812 Billing system for a network 587 1995
5,878,141 Computerized purchasing system and method for mediating purchase transactions over an interactive network 523 1995
6,070,150 Electronic bill presentment and payment system 458 1996
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 398 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 719 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 620 1997
 
CashEdge, Inc. (1)
2002/0091,635 Method and apparatus for managing transactions 175 2001
 
VALUE MINER, INC. (1)
5,615,109 Method of and system for generating feasible, profit maximizing requisition sets 461 1995
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (1)
5,402,474 System, data processing method and program to provide a programmable interface between a workstation and an archive server to automatically store telephone transaction information 237 1994
 
Federal Reserve Bank of Atlanta (1)
2006/0206,427 Approving ACH operator processing of ACH payments based on an originating depository financial institution's approved originator list 52 2006
 
SMALL VALUE PAYMENTS COMPANY L.L.C., THE (1)
5,412,190 Electronic check presentment system having a return item notification system incorporated therein 218 1993
 
RAMSEY INTERNATIONAL CORP. (1)
5,502,576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 316 1992
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 432 1993
 
PAXAR AMERICAS, INC. (1)
5,315,508 Label generating and data tracking system for processing purchase orders 180 1992
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 341 2000
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 128 2001
 
ECTOLINK, LLC (1)
5,826,245 Providing verification information for a transaction 423 1995
 
ECOVA, INC. (2)
5,943,656 Methods and systems for computerized bill consolidating, billing and payment authorization, computerized utility bill consolidating, utility billing access and payment and utility provider consolidated billing systems 301 1997
6,035,285 Electronic bill presenting methods and bill consolidating methods 231 1999
 
BURROUGHS PAYMENT SYSTEMS, INC. (1)
5,225,978 Document processing system having integrated expert module 157 1989
 
UNITED PAN-EUROPE COMMUNICATIONS N.V. (1)
2002/0199,182 Method and apparatus providing convergent solution to end-to end, adaptive business application management 116 2001
 
UNISYS CORPORATION (3)
5,187,750 Archival document image processing and printing system 254 1991
5,349,170 Image-based document processing system providing enhanced transaction balancing 88 1993
5,884,290 Method of transferring funds employing a three-node real-time electronic interlock 103 1996
 
MONEYFAX, INC. (1)
5,122,950 Method of and system for electronic funds transfer via facsimile machines 173 1989
 
AT&T CORP. (3)
5,373,550 Transmission of check images by way of a public switched telephone network 304 1992
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 189 1995
5,835,580 Method and apparatus for automated provisioning and billing of communication services 226 1996
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
Other [Check patent profile for assignment information] (3)
* 2008/0270,304 FUNDS TRANSFER SYSTEM AND METHOD 5 2008
* 8,117,132 Dating service system and method increasing member profile development and reducing unwanted communications 0 2009
* 2010/0268,627 Dating service system and method increasing member profile development and reducing unwanted communications 0 2009
 
PAYPAL, INC. (5)
* 2010/0063,926 PAYMENT APPLICATION FRAMEWORK 3 2008
* 8,751,387 Payment application framework 0 2009
* 2010/0063,924 PAYMENT APPLICATION FRAMEWORK 1 2009
* 2010/0191,645 PAYMENT APPLICATION FRAMEWORK 3 2010
* 2014/0213,343 TRIGGERING IN-APPLICATION CURRENCY TRANSFER 0 2013
 
United Services Automobile Association (USAA) (30)
8,799,147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions 0 2006
8,708,227 Systems and methods for remote deposit of checks 2 2006
8,351,677 Systems and methods for remote deposit of checks 11 2006
8,959,033 Systems and methods for verification of remotely deposited checks 1 2007
8,433,127 Systems and methods for real-time validation of check image quality 2 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 9 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 18 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 10 2007
8,351,678 Duplicate check detection 7 2008
8,422,758 Systems and methods of check re-presentment deterrent 9 2008
7,974,899 Atomic deposit transaction 79 2008
7,962,411 Atomic deposit transaction 77 2008
* 7,885,880 Atomic deposit transaction 78 2008
8,391,599 Systems and methods for adaptive binarization of an image 2 2008
8,452,689 Systems and methods of check detection 2 2009
8,542,921 Systems and methods for remote deposit of negotiable instrument using brightness correction 3 2009
8,977,571 Systems and methods for image monitoring of check during mobile deposit 1 2009
8,699,779 Systems and methods for alignment of check during mobile deposit 2 2009
8,392,332 Systems and methods for remote deposit of checks 6 2010
9,129,340 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 0 2010
8,464,933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8,837,806 Remote deposit image inspection apparatuses, methods and systems 2 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 8 2011
8,611,635 Duplicate check detection 1 2012
9,286,514 Character count determination for a digital image 0 2013
9,158,966 Character count determination for a digital image 0 2013
9,224,136 Systems and methods for remote deposit of checks 0 2014
9,336,517 Systems and methods for alignment of check during mobile deposit 0 2014
9,177,197 Systems and methods for alignment of check during mobile deposit 0 2014
9,177,198 Systems and methods for alignment of check during mobile deposit 0 2014
 
JPMORGAN CHASE BANK, N.A. (5)
7,945,492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 7 2000
8,622,308 System and method for processing transactions using a multi-account transactions device 0 2009
8,463,687 Upside forward with early funding provision 0 2010
9,058,626 System and method for financial services device usage 0 2013
9,460,469 System and method for financial services device usage 0 2015
 
United Services Auto Association (USAA) (1)
8,538,124 Systems and methods for real-time validation of check image quality 2 2007
 
BANK OF AMERICA CORPORATION (1)
8,693,737 Authentication systems, operations, processing, and interactions 0 2008
 
Asentinel LLC (1)
8,712,878 Systems and methods for analyzing telecommunications invoices for payment 0 2008
 
BLACK HILLS IP HOLDINGS, LLC (3)
* 2013/0085,933 PATENT REGISTRY ARCHITECTURE WITH PORTAL FOR EXTERNAL ANNUITY PAYMENT SERVICE PROVIDERS 0 2012
* 2013/0085,911 PATENT REGISTRY ARCHITECTURE WITH DIRECT PATENT OFFICE PAYMENT CONDUIT 0 2012
* 2013/0085,912 PATENT REGISTRY ARCHITECTURE 0 2012
* Cited By Examiner

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