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, NY1936

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Fogliano, Frank J - 3 31
Gniewosz, Dennis J - 2 31
Striano, Riccardo M - 2 31
Trupia, Paul Gerard - 2 31

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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THE WESTERN UNION COMPANY (3)
5,350,906 Currency transfer system and method using fixed limit cards 485 1992
7,177,836 Method and system for facilitating financial transactions between consumers over the internet 145 1999
2003/0187,789 International negotiable instrument payment 106 2002
 
PITNEY BOWES INC. (2)
4,713,761 System for centralized processing of accounting and payment functions 275 1985
6,970,855 Method and system for enterprise-level unassisted customer shipping 52 2002
 
HITACHI, LTD. (1)
4,988,849 Financial transaction system 167 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 182 1999
 
AT&T INTELLECTUAL PROPERTY I, L.P. (1)
5,794,221 Internet billing method 364 1995
 
ACCENT.COM, INC. (1)
7,194,437 Computer-based funds transfer system 97 1999
 
GOOGLE TECHNOLOGY HOLDINGS LLC (1)
6,434,159 Transaction system and method therefor 178 1999
 
Sansho Seiyaku Co., Ltd. (1)
5,599,528 Preparation for epidermis 87 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 131 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 335 1996
 
CONNOTECH Experts-conseils, inc. (1)
5,590,196 Secure payment method using facsimile 273 1994
 
KABUSHIKI KAISHA TOSHIBA (1)
2001/0018,666 Settlement system using purchase information 45 2001
 
INTER*ACT SYSTEMS, INCORPORATED (3)
5,448,471 Check transaction processing, database building and marketing method and system utilizing automatic check reading 349 1994
5,430,644 Check transaction processing, database building and marketing method and system utilizing automatic check reading 281 1994
5,659,469 Check transaction processing, database building and marketing method and system utilizing automatic check reading 308 1995
 
CUMMINS-ALLISON CORP. (4)
6,363,164 Automated document processing system using full image scanning 275 1997
6,661,910 Network for transporting and processing images in real time 209 1998
6,860,375 Multiple pocket currency bill processing device and method 146 2002
7,200,255 Document processing system using full image scanning 161 2003
 
LONGITUDE LLC (1)
6,321,212 Financial products having a demand-based, adjustable return, and trading exchange therefor 668 1999
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (11)
5,506,691 Method and apparatus for image processing at remote sites 208 1994
5,444,841 Graphical user interface control for replicating data fields in forms 106 1994
5,687,250 Image quality analysis method and apparatus 97 1995
6,240,444 Internet web page sharing 220 1996
6,041,312 Object oriented technology framework for accounts receivable and accounts payable 129 1997
6,278,981 Computer-implemented method and apparatus for portfolio compression 260 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 195 1999
6,493,685 Electronic account presentation and response system and method 308 1999
6,374,235 Method, system, and program for a join operation on a multi-column table and satellite tables including duplicate values 92 1999
2002/0111,837 Verification method for web-delivered materials using self-signed certificates 90 2001
2003/0097,335 Secure method and system for determining charges and assuring privacy 73 2001
 
Wynn; Sol H. (1)
5,859,419 Programmable multiple company credit card system 431 1995
 
AT&T IPM CORP. (2)
5,479,494 Virtual calling card system 273 1992
5,708,422 Transaction authorization and alert system 468 1995
 
DUOCASH, INC. (1)
2001/0047,334 System and method for using existing prepaid card systems for making payments over the internet 86 2001
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 1004 1995
 
Bostec Systems, Inc. (1)
5,080,748 Card assembly apparatus 172 1990
 
CHECKFREE SERVICES CORPORATION (2)
2002/0087,468 Electronic payment risk processing 148 2000
2002/0087,469 Technique of registration for and direction of electronic payments in real-time 129 2000
 
SOLOMON RESEARCH LLC (2)
2002/0069,134 System, method and apparatus for aggregation of cooperative intelligent agents for procurement in a distributed network 119 2001
2003/0233,305 System, method and apparatus for information collaboration between intelligent agents in a distributed network 88 2001
 
CHECKFREE CORPORATION (4)
5,873,072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 332 1995
6,289,322 Electronic bill processing 369 1998
2004/0064,409 System and method for bill delivery and payment over a communications network 84 2003
* 2005/0228,751 Propagating data to facilitate electronic payments to payees 22 2005
 
FUJITSU LIMITED (2)
5,321,238 Banking apparatus for processing the bill and the check 191 1991
6,003,762 Transaction terminal for an electronic cashless system 256 1994
 
Capital Security Systems, Inc. (2)
5,897,625 Automated document cashing system 383 1997
5,987,439 Automated banking system for making change on a card or user account 191 1997
 
SIAMR SOLUTIONS FZ LLC (1)
2006/0287,953 GLOBAL WEB-BASED FINANCIAL REMITANCE SYSTEM AND PROCESS 54 2006
 
FIRST DATA CORPORATION (1)
6,490,568 Automated system and method for monitoring financial transactions 115 1999
 
ARBITOR, INC. (1)
2002/0138,398 Automated bandwidth exchange node system 80 2001
 
WMR E-PIN LLC (1)
2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 151 2004
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 831 1995
 
BORLAND SOFTWARE CORPORATION (1)
5,603,025 Methods for hypertext reporting in a relational database management system 279 1994
 
STRATTON, JOSEPH F. (1)
4,672,377 Check authorization system 242 1985
 
AMCOL INTERNATIONAL CORPORATION (1)
4,975,841 Method and apparatus for reporting customer data 124 1990
 
MOTOROLA SOLUTIONS, INC. (1)
5,459,482 Facsimile communication with an active addressing display device 51 1993
 
PHOENIX LICENSING, LLC (1)
6,076,072 Method and apparatus for preparing client communications involving financial products and services 328 1997
 
PAYPAL INTERNATIONAL LIMITED (1)
6,205,433 System and method for multi-currency transactions 190 1998
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0011,222 INTEGRATED PROCUREMENT MANAGEMENT SYSTEM USING PUBLIC COMPUTER NETWORK 119 1998
 
PAYPAL, INC. (1)
5,826,241 Computerized system for making payments and authenticating transactions over the internet 815 1994
 
AT&T Bell Laboratories (1)
5,311,594 Fraud protection for card transactions 327 1993
 
JPMORGAN CHASE BANK, N.A. (28)
5,424,938 Method and apparatus for providing access to a plurality of payment networks 264 1992
6,181,837 Electronic check image storage and retrieval system 187 1994
5,917,965 Method and apparatus for storing images of documents having magnetic ink code line 142 1995
5,940,844 Method and apparatus for displaying electronic image of a check 258 1995
6,006,208 MICR line decoding logic system 88 1998
6,301,567 Lockbox browser system 102 1998
6,227,447 Cardless payment system 415 1999
6,718,388 Secured session sequencing proxy system and method therefor 48 1999
6,574,377 Electronic check image storage and retrieval system 178 1999
7,062,456 System and method for back office processing of banking transactions using electronic files 85 1999
7,068,832 Lockbox imaging system 44 2000
2003/0208,421 Electronic check presentment system and method having an item sequence capability 95 2000
6,631,849 Selectable multi-purpose card 425 2000
2003/0208,441 Electronic bill presentment and payment system and method 109 2001
7,526,449 Optically encoded card and system and method for using 17 2001
2002/0077,978 Method and system for processing internet payments 338 2001
7,401,048 System and method for trade settlement tracking and relative ranking 65 2002
2003/0061,157 Multiple account advanced payment card and method of routing card transactions 95 2002
2003/0101,131 System and method for establishing or modifying an account with user selectable terms 157 2002
7,392,222 System and method for providing promotional pricing 103 2004
7,191,952 Selectable multi-purpose card 100 2004
7,380,707 Method and system for credit card reimbursements for health care transactions 92 2005
7,263,507 Customer activated multi-value (CAM) card 51 2005
7,401,731 Method and system for implementing a card product with multiple customized relationships 85 2005
7,317,823 Lockbox imaging system 69 2006
2007/0118,470 System and Method for Establishing or Modifying an Account With User Selectable Terms 20 2006
2008/0288,396 System and Method For Combined Reconciliation Of Co-Branded Card Promotion And Settlement Of Private Label Card Accounts 27 2007
2008/0193,008 System and Method for Generating Magnetic Ink Character Recognition (MICR) Testing Documents 33 2007
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5,748,780 Method and apparatus for imaging, image processing and data compression 230 1994
 
MICROSOFT TECHNOLOGY LICENSING, LLC (6)
5,852,812 Billing system for a network 558 1995
5,878,141 Computerized purchasing system and method for mediating purchase transactions over an interactive network 482 1995
6,070,150 Electronic bill presentment and payment system 439 1996
6,128,603 Consumer-based system and method for managing and paying electronic billing statements 374 1997
5,883,810 Electronic online commerce card with transactionproxy number for online transactions 677 1997
6,000,832 Electronic online commerce card with customer generated transaction proxy number for online transactions 584 1997
 
CASHEDGE, INC. (1)
2002/0091,635 Method and apparatus for managing transactions 167 2001
 
VALUE MINER, INC. (1)
5,615,109 Method of and system for generating feasible, profit maximizing requisition sets 437 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 219 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 49 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 204 1993
 
RAMSEY INTERNATIONAL CORP. (1)
5,502,576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 294 1992
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5,483,445 Automated billing consolidation system and method 423 1993
 
PAXAR AMERICAS, INC. (1)
5,315,508 Label generating and data tracking system for processing purchase orders 175 1992
 
CARD VERIFICATION SOLUTIONS, LLC (1)
5,826,245 Providing verification information for a transaction 406 1995
 
DoubleCredit.com, Inc. (1)
6,999,943 Routing methods and systems for increasing payment transaction volume and profitability 299 2000
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 120 2001
 
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 284 1997
6,035,285 Electronic bill presenting methods and bill consolidating methods 221 1999
 
BURROUGHS PAYMENT SYSTEMS, INC. (1)
5,225,978 Document processing system having integrated expert module 152 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 107 2001
 
UNISYS CORPORATION (3)
5,187,750 Archival document image processing and printing system 239 1991
5,349,170 Image-based document processing system providing enhanced transaction balancing 84 1993
5,884,290 Method of transferring funds employing a three-node real-time electronic interlock 97 1996
 
MONEYFAX, INC. (1)
5,122,950 Method of and system for electronic funds transfer via facsimile machines 169 1989
 
AT&T CORP. (3)
5,373,550 Transmission of check images by way of a public switched telephone network 279 1992
5,864,609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 185 1995
5,835,580 Method and apparatus for automated provisioning and billing of communication services 216 1996
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
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
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (23)
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 1 2006
8,351,677 Systems and methods for remote deposit of checks 4 2006
8,959,033 Systems and methods for verification of remotely deposited checks 0 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 3 2007
8,320,657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 11 2007
8,290,237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 4 2007
8,351,678 Duplicate check detection 4 2008
8,422,758 Systems and methods of check re-presentment deterrent 4 2008
7,974,899 Atomic deposit transaction 62 2008
7,962,411 Atomic deposit transaction 61 2008
* 7,885,880 Atomic deposit transaction 62 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 2 2009
8,977,571 Systems and methods for image monitoring of check during mobile deposit 0 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 3 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 0 2011
8,688,579 Automatic remote deposit image preparation apparatuses, methods and systems 2 2011
8,611,635 Duplicate check detection 1 2012
 
JPMORGAN CHASE BANK, N.A. (3)
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
 
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
 
EBAY INC. (3)
* 8,751,387 Payment application framework 0 2009
* 2010/0063,924 PAYMENT APPLICATION FRAMEWORK 1 2009
* 2010/0191,645 PAYMENT APPLICATION FRAMEWORK 2 2010
* Cited By Examiner

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