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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ATTORNEY / AGENT: (SPONSORED)
 

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Abstract

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

Related Publications

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Patent Owner(s)

Patent OwnerAddressTotal Patents
JPMORGAN CHASE BANK, N.A.NEW YORK, NY1855

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fogliano, Frank J - 3 14
Gniewosz, Dennis J - 2 14
Striano, Riccardo M - 2 14
Trupia, Paul Gerard - 2 14

Cited Art

Patent Info (Count) # Cites Year
 
JPMORGAN CHASE BANK, N.A. (27)
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6,006,208 MICR line decoding logic system 70 1998
6,301,567 Lockbox browser system 74 1998
6,227,447 Cardless payment system 305 1999
6,718,388 Secured session sequencing proxy system and method therefor 30 1999
6,574,377 Electronic check image storage and retrieval system 127 1999
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7,068,832 Lockbox imaging system 27 2000
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7,317,823 Lockbox imaging system 42 2006
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THE WESTERN UNION COMPANY (3)
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2003/0105,641 Electronic ticketing and validation system and method 82 2000
 
LEXISNEXIS RISK SOLUTIONS GA INC. (1)
5,832,464 System and method for efficiently processing payments via check and electronic funds transfer 168 1996
 
LONGITUDE LLC (1)
6,321,212 Financial products having a demand-based, adjustable return, and trading exchange therefor 532 1999
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5,748,780 Method and apparatus for imaging, image processing and data compression 172 1994
 
LUCENT TECHNOLOGIES INC. (1)
6,014,636 Point of sale method and system 246 1997
 
LYKES BROS., INC. (1)
5,666,493 System for managing customer orders and method of implementation 396 1993
 
MACROMARKETS LLC (1)
5,987,435 Proxy asset data processor 163 1997
 
MELLON BANK, N.A. (1)
6,058,380 System and method for electronically processing invoice information 117 1995
 
MERIDIAN ENTERPRISES CORPORATION (1)
2006/0106,650 Insurance claim payment card system 39 2002
 
MIRROR IMAGING L.L.C. (1)
6,446,072 Method of obtaining an electronically-stored financial document 49 2000
 
MITSUBISHI DENKI KABUSHIKI KAISHA (1)
5,544,046 Numerical control unit 73 1992
 
MONEYFAX, INC. (1)
5,122,950 Method of and system for electronic funds transfer via facsimile machines 122 1989
 
MOPEX, INC. (1)
6,088,685 Open end mutual fund securitization process 232 1998
 
MORGAN STANLEY (1)
6,393,409 Computer method and apparatus for optimizing portfolios of multiple participants 145 1997
 
MORGAN STANLEY DEAN WITTER (1)
6,092,056 Data processing system and method for financial debt instruments 270 1999
 
MORGAN STANLEY DEAN WITTER & CO. (1)
2002/0198,817 Method and apparatus for trading assets, capital, and information 59 2002
 
MOTOROLA MOBILITY LLC (1)
6,434,159 Transaction system and method therefor 109 1999
 
MOTOROLA SOLUTIONS, INC. (1)
5,459,482 Facsimile communication with an active addressing display device 38 1993
 
MOUNT HAMILTON PARTNERS, LLC (1)
5,826,245 Providing verification information for a transaction 324 1995
 
NEL, JOHANNA MAGDALENA (1)
6,363,364 Interactive system for and method of performing financial transactions from a user base 40 1998
 
NEXTCARD, LLC (1)
6,324,524 Method and apparatus for an account level offer of credit and real time balance transfer 252 1998
 
NIT DATA CORPORATION (1)
6,185,544 Processing system for charge request data 56 1997
 
OCE PRINTING SYSTEMS GMBH (1)
RE38957 Document verification and tracking system for printed material 24 2003
 
OLYMPUS OPTICAL CO., LTD. (1)
5,551,021 Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales information 192 1994
 
OMRON TATEISI ELECTRONICS CO. (1)
4,396,985 Electronic cash register system for food dispensing business 145 1981
 
OPEN INVENTION NETWORK, LLC (1)
6,236,972 Method and apparatus for facilitating transactions on a commercial network system 291 1998
 
OPTICAL RECOGNITION SYSTEMS, INC. (1)
RE31692 Combined magnetic optical character reader 138 1978
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 92 2001
 
PAXAR AMERICAS, INC. (1)
5,315,508 Label generating and data tracking system for processing purchase orders 145 1992
 
PAYPAL INTERNATIONAL LIMITED (1)
6,205,433 System and method for multi-currency transactions 139 1998
 
PAYPAL, INC. (1)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 646 1994
 
PHOENIX LICENSING, LLC (1)
6,076,072 Method and apparatus for preparing client communications involving financial products and services 253 1997
 
PRICELINE.COM INCORPORATED (1)
6,108,639 Conditional purchase offer (CPO) management system for collectibles 211 1997
 
RAMSEY INTERNATIONAL CORP. (1)
5,502,576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 241 1992
 
RELOCALL GROUP B.V. LLC (1)
7,104,443 Method and system for facilitating electronic funds transactions 137 2002
 
RESOURCE TECHNOLOGY SERVICES, INC. (1)
5,484,988 Checkwriting point of sale system 220 1994
 
RESPONSE REWARDS SYSTEMS, L.C. (1)
5,508,731 Generation of enlarged participatory broadcast audience 224 1993
 
SANSHO SEIYAKU CO., LTD. (1)
5,599,528 Preparation for epidermis 66 1994
 
SARANAC SOFTWARE, INC. (1)
6,233,565 Methods and apparatus for internet based financial transactions with evidence of payment 321 1998
 
SECURUS TECHNOLOGIES HOLDINGS, INC. (1)
2002/0194,096 Optimizing profitability in business transactions 71 2002
 
SEIKO EPSON CORPORATION (1)
6,064,764 Fragile watermarks for detecting tampering in images 237 1998
 
SEMEL OY (1)
2002/0072,976 Device and method for buying an item in a vending machine 48 2001
 
SIAMR SOLUTIONS FZ LLC (1)
2006/0287,953 GLOBAL WEB-BASED FINANCIAL REMITANCE SYSTEM AND PROCESS 29 2006
 
SIGMA COMPUTER RESEARCH ASSOCIATES INC. (1)
5,054,096 Method and apparatus for converting documents into electronic data for transaction processing 336 1988
 
SILICON VALLEY MICRO C CORPORATION (1)
2005/0177,480 Intelligent billing system 47 2004
 
SILVERBROOK RESEARCH PTY LTD (1)
6,965,882 Method and system for seeking bids 32 2000
 
SMALL VALUE PAYMENTS COMPANY L.L.C., THE (1)
5,412,190 Electronic check presentment system having a return item notification system incorporated therein 152 1993
 
SOLITRON DEVICES, INC. (1)
4,931,793 System for providing a warning when vehicles approach a common collision point 99 1988
 
SQN (1)
5,444,794 Check image capture system 181 1993
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 328 1993
 
STERLING GLOBAL SOLUTIONS, LLC D/B/A SPARKFLY (1)
5,727,153 Retail store having a system of receiving electronic coupon information from a portable card and sending the received coupon information to other portable cards 284 1995
 
STORE FINANCIAL SERVICES, LLC (1)
2003/0144,942 Methods and systems for facilitating investment transactions and accounting for banks and credit unions 40 2003
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1430 1986
 
STRATTON, JOSEPH F. (1)
4,672,377 Check authorization system 212 1985
 
SUMITOMO MITSUI BANKING CORPORATION (1)
6,085,168 Electronic commerce settlement system 189 1998
 
SYBASE, INC. (1)
5,566,330 Method for forming a reusable and modifiable database interface object 220 1995
 
SYMBOL TECHNOLOGIES, INC. (1)
2005/0144,059 Personal intelligent shipment system and method 28 2003
 
TELEFONAKTIEBOLAGET LM ERICSSON (PUBL) (1)
2002/0052,842 Initiation of an electronic payment transaction 71 2001
 
TEXAS INSTRUMENTS INCORPORATED (1)
2005/0209,954 System and method for offering a futures contract indexed to entertainment revenue 45 2005
 
TEXTURA CORPORATION (1)
2005/0289,051 Construction payment management system and method 22 2005
 
TEXTWISE LLC (1)
6,026,388 User interface and other enhancements for natural language information retrieval system and method 473 1996
 
THE ADVEST GROUP, INC. (1)
4,694,397 Banking/brokerage computer interface system 244 1984
 
TILLICOMB INTERNATIONAL LDC (1)
5,367,581 Magnetic reader with read head biased against document by resilient deflection of circuit board 78 1993
 
TOSTECKI BROS. L.L.C. (1)
6,070,798 Purchaser generated transaction recording and negotiable instrument payment system 211 1997
 
TRADECARD, INC. (1)
5,717,989 Full service trade system 485 1994
 
TRW FINANCIAL SYSTEMS, INC. (1)
4,205,780 Document processing system and method 333 1978
 
UNITED PAN-EUROPE COMMUNICATIONS N.V. (1)
2002/0199,182 Method and apparatus providing convergent solution to end-to end, adaptive business application management 78 2001
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 700 1995
 
VALLEY NATIONAL BANK, PHOENIX, AZ A CORP. OF AZ (1)
5,198,975 Apparatus and method for processing of check batches in banking operations 89 1989
 
VALUE MINER, INC. (1)
5,615,109 Method of and system for generating feasible, profit maximizing requisition sets 349 1995
 
VAN REMORTAL, FRED (1)
5,136,502 System for funding, analyzing and managing health care liabilities 135 1991
 
VISAINTERNATIONAL SERVICE ASSOCIATION (1)
6,032,133 Electronic bill pay system 286 1995
 
WALENBRECK GMBH, LLC (1)
6,088,683 Secure purchase transaction method using telephone number 248 1996
 
WATSON; CRAIG MICHAEL (1)
5,978,780 Integrated bill consolidation, payment aggregation, and settlement system 274 1997
 
WMR E-PIN LLC (1)
2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 84 2004
 
WYNN; SOL H. (1)
5,859,419 Programmable multiple company credit card system 337 1995
 
XEROX CORPORATION (1)
6,970,259 Systems and methods for forgery detection and deterrence of printed documents 70 2000
 
YT ACQUISITION CORPORATION (1)
5,870,723 Tokenless biometric transaction authorization method and system 281 1996
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (38)
4,495,018 Process for producing a reinforced tube 65 1983
4,700,055 Multiple credit card system 263 1985
4,823,264 Electronic funds transfer system 480 1986
5,053,607 Point-of-sale device particularly adapted for processing checks 285 1989
5,111,395 Automated fund collection system including means to eliminate duplicate entries from a mailing list 115 1989
5,432,506 Counterfeit document detection system 87 1992
5,326,959 Automated customer initiated entry remittance processing system 322 1992
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 250 1994
5,477,040 Structure for a method of facilitating charge transactions 199 1994
6,073,104 System for invoice record management and asset-backed commercial paper program management 146 1994
5,802,498 Computer-aided prepaid transmittal charge billing system 150 1996
6,110,044 Method and apparatus for issuing and automatically validating gaming machine payout tickets 134 1997
6,148,293 Method and apparatus of creating a financial instrument and administering an adjustable rate loan system 188 1997
6,129,273 Method and apparatus for an automated, computer approved, check cashing system 113 1998
6,721,715 Method and apparatus for localizing currency valuation independent of the original and objective currencies 112 1998
5,987,436 Obligated investment system 96 1999
6,390,362 Method and device for preventing check fraud 100 1999
2001/0032,139 Cybermoney network; a seamless internet commercial and investment bank account connectivity interface for payment and settlement of goods and services purchased via the internet 44 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 2000
2001/0001,008 Transmitter/receiver for GMSK and Offset-QAM 2000
2002/0107,770 System for allocating funds in a plurality of stock portfolios 71 2000
2002/0082,985 Method and system for converting existing or future trade credit obligations into a new obligation 35 2000
2002/0087,415 Method and system for on-line shopping utlizing personalized shopping list and electronic network 31 2001
2002/0023,055 System and method for digital bill presentment and payment 130 2001
2002/0032,651 Method and apparatus for making payments and delivering payment information 42 2001
2002/0013,728 Universal transaction manager agent, systems and methods 115 2001
2003/0046,218 System and method for protecting positions in volatile markets 89 2001
2002/0055,907 Electronic payment system and method 44 2001
2002/0169,658 System and method for modeling and analyzing strategic business decisions 148 2002
2003/0200,107 System and method for cash management 27 2002
2003/0191,710 Invoice purchase order system 47 2003
7,004,382 Payment validation network 68 2003
2005/0261,955 Film production staff administration system 25 2004
2005/0033,690 System and method for digital bill presentment and payment 84 2004
2006/0282,389 Payment method and apparatus for use in digital distribution system 23 2005
2006/0136,335 System and methods for accessing high-profile individuals 23 2005

Patent Citation Ranking

Forward Cites

Patent Info (Count) # Cites Year
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (12)
8,351,677 Systems and methods for remote deposit of checks 0 2006
8,433,127 Systems and methods for real-time validation of check image quality 0 2007
8,358,826 Systems and methods for receiving and orienting an image of one or more checks 0 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 0 2007
8,351,678 Duplicate check detection 0 2008
8,422,758 Systems and methods of check re-presentment deterrent 0 2008
7,974,899 Atomic deposit transaction 25 2008
7,962,411 Atomic deposit transaction 25 2008
7,885,880 Atomic deposit transaction 26 2008
8,391,599 Systems and methods for adaptive binarization of an image 0 2008
8,392,332 Systems and methods for remote deposit of checks 0 2010
 
JPMORGAN CHASE BANK, N.A. (1)
7,945,492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 0 2000
 
OTHER [CHECK PATENT PROFILE FOR ASSIGNMENT INFORMATION] (1)
8,117,132 Dating service system and method increasing member profile development and reducing unwanted communications 0 2009

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
3.5 Year Payment $1600.00 $800.00 $400.00 Dec 8, 2013
7.5 Year Payment $3600.00 $1800.00 $900.00 Dec 8, 2017
11.5 Year Payment $7400.00 $3700.00 $1850.00 Dec 8, 2021
Fee Large entity fee small entity fee micro entity fee
Surcharge - 3.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
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