Method and system for processing recurring payments

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7734545
SERIAL NO

11537290

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ATTORNEY / AGENT: (SPONSORED)

Importance

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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, NATIONAL ASSOCIATIONNEW YORK, NY1961

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 42
Gniewosz, Dennis J Langhorne, US 2 42
Striano, Riccardo M Pelham, US 2 42
Trupia, Paul Gerard Massapequa, US 2 42

Cited Art Landscape

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6860375 Multiple pocket currency bill processing device and method 161 2002
7200255 Document processing system using full image scanning 187 2003
 
LONGITUDE LLC (1)
6321212 Financial products having a demand-based, adjustable return, and trading exchange therefor 686 1999
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (11)
5506691 Method and apparatus for image processing at remote sites 223 1994
5444841 Graphical user interface control for replicating data fields in forms 113 1994
5687250 Image quality analysis method and apparatus 104 1995
6240444 Internet web page sharing 243 1996
6041312 Object oriented technology framework for accounts receivable and accounts payable 134 1997
6278981 Computer-implemented method and apparatus for portfolio compression 270 1998
6535896 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 216 1999
6493685 Electronic account presentation and response system and method 343 1999
6374235 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)
5859419 Programmable multiple company credit card system 469 1995
 
AT&T IPM CORP. (2)
5479494 Virtual calling card system 285 1992
5708422 Transaction authorization and alert system 527 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)
5677955 Electronic funds transfer instruments 1073 1995
 
Bostec Systems, Inc. (1)
5080748 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 131 2001
2003/0233,305 System, method and apparatus for information collaboration between intelligent agents in a distributed network 100 2001
 
CHECKFREE CORPORATION (4)
5873072 System and method for electronically providing customer services including payment of bills, financial analysis and loans 350 1995
6289322 Electronic bill processing 402 1998
2004/0064,409 System and method for bill delivery and payment over a communications network 93 2003
* 2005/0228,751 Propagating data to facilitate electronic payments to payees 24 2005
 
FUJITSU LIMITED (2)
5321238 Banking apparatus for processing the bill and the check 204 1991
6003762 Transaction terminal for an electronic cashless system 268 1994
 
CAPITAL SECURITY SYSTEMS, INC. (2)
5897625 Automated document cashing system 450 1997
5987439 Automated banking system for making change on a card or user account 207 1997
 
SIAMR SOLUTIONS FZ LLC (1)
2006/0287,953 GLOBAL WEB-BASED FINANCIAL REMITANCE SYSTEM AND PROCESS 60 2006
 
FIRST DATA CORPORATION (3)
5679938 Methods and systems for interactive check authorizations 332 1994
5679940 Transaction system with on/off line risk assessment 395 1995
6490568 Automated system and method for monitoring financial transactions 118 1999
 
ARBITOR, INC. (1)
2002/0138,398 Automated bandwidth exchange node system 88 2001
 
WMR E-PIN LLC (1)
2006/0106,717 End to end check processing from capture to settlement with security and quality assurance 180 2004
 
V-ONE CORPORATION (1)
5590197 Electronic payment system and method 882 1995
 
BORLAND SOFTWARE CORPORATION (1)
5603025 Methods for hypertext reporting in a relational database management system 296 1994
 
AMCOL INTERNATIONAL CORPORATION (1)
4975841 Method and apparatus for reporting customer data 134 1990
 
MOTOROLA SOLUTIONS, INC. (1)
5459482 Facsimile communication with an active addressing display device 54 1993
 
Phoenix Licensing, LLC (1)
6076072 Method and apparatus for preparing client communications involving financial products and services 343 1997
 
PAYPAL INTERNATIONAL LIMITED (1)
6205433 System and method for multi-currency transactions 213 1998
 
PAYPAL, INC. (2)
5826241 Computerized system for making payments and authenticating transactions over the internet 894 1994
5832460 Method and system for bill presentation and payment reconciliation 367 1995
 
AMERICAN MANAGEMENT SYSTEMS, INCORPORATED (1)
2001/0011,222 INTEGRATED PROCUREMENT MANAGEMENT SYSTEM USING PUBLIC COMPUTER NETWORK 125 1998
 
AT&T Bell Laboratories (1)
5311594 Fraud protection for card transactions 343 1993
 
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (27)
6181837 Electronic check image storage and retrieval system 221 1994
5917965 Method and apparatus for storing images of documents having magnetic ink code line 149 1995
5940844 Method and apparatus for displaying electronic image of a check 285 1995
6006208 MICR line decoding logic system 91 1998
6301567 Lockbox browser system 115 1998
6227447 Cardless payment system 458 1999
6718388 Secured session sequencing proxy system and method therefor 64 1999
6574377 Electronic check image storage and retrieval system 267 1999
7062456 System and method for back office processing of banking transactions using electronic files 96 1999
7068832 Lockbox imaging system 49 2000
2003/0208,421 Electronic check presentment system and method having an item sequence capability 98 2000
6631849 Selectable multi-purpose card 482 2000
2003/0208,441 Electronic bill presentment and payment system and method 115 2001
7526449 Optically encoded card and system and method for using 19 2001
2002/0077,978 Method and system for processing internet payments 389 2001
7401048 System and method for trade settlement tracking and relative ranking 76 2002
2003/0061,157 Multiple account advanced payment card and method of routing card transactions 117 2002
2003/0101,131 System and method for establishing or modifying an account with user selectable terms 164 2002
7392222 System and method for providing promotional pricing 117 2004
7191952 Selectable multi-purpose card 118 2004
7380707 Method and system for credit card reimbursements for health care transactions 105 2005
7263507 Customer activated multi-value (CAM) card 58 2005
7401731 Method and system for implementing a card product with multiple customized relationships 101 2005
7317823 Lockbox imaging system 79 2006
2007/0118,470 System and Method for Establishing or Modifying an Account With User Selectable Terms 27 2006
2008/0288,396 System and Method For Combined Reconciliation Of Co-Branded Card Promotion And Settlement Of Private Label Card Accounts 32 2007
2008/0193,008 System and Method for Generating Magnetic Ink Character Recognition (MICR) Testing Documents 36 2007
 
MILLENNIUM COMMERCE, LLC (1)
6149055 Electronic fund transfer or transaction system 221 1996
 
LOT 19 ACQUISITION FOUNDATION, LLC (1)
5748780 Method and apparatus for imaging, image processing and data compression 268 1994
 
MICROSOFT TECHNOLOGY LICENSING, LLC (6)
5852812 Billing system for a network 593 1995
5878141 Computerized purchasing system and method for mediating purchase transactions over an interactive network 526 1995
6070150 Electronic bill presentment and payment system 460 1996
6128603 Consumer-based system and method for managing and paying electronic billing statements 413 1997
5883810 Electronic online commerce card with transactionproxy number for online transactions 741 1997
6000832 Electronic online commerce card with customer generated transaction proxy number for online transactions 647 1997
 
CashEdge, Inc. (1)
2002/0091,635 Method and apparatus for managing transactions 175 2001
 
Value Miner, Inc. (1)
5615109 Method of and system for generating feasible, profit maximizing requisition sets 464 1995
 
GENESYS TELECOMMUNICATIONS LABORATORIES, INC. (1)
5402474 System, data processing method and program to provide a programmable interface between a workstation and an archive server to automatically store telephone transaction information 243 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)
5412190 Electronic check presentment system having a return item notification system incorporated therein 219 1993
 
RAMSEY INTERNATIONAL CORP. (1)
5502576 Method and apparatus for the transmission, storage, and retrieval of documents in an electronic domain 323 1992
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (1)
5483445 Automated billing consolidation system and method 433 1993
 
PAXAR AMERICAS, INC. (1)
5315508 Label generating and data tracking system for processing purchase orders 180 1992
 
DoubleCredit.com, Inc. (1)
6999943 Routing methods and systems for increasing payment transaction volume and profitability 355 2000
 
PATRICK CUNNINGHAM GROUP, INC. (1)
2002/0107,788 Application and payment database system for lenders and builders and a method therefor 132 2001
 
ECTOLINK, LLC (1)
5826245 Providing verification information for a transaction 431 1995
 
ECOVA, INC. (2)
5943656 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 306 1997
6035285 Electronic bill presenting methods and bill consolidating methods 236 1999
 
BURROUGHS PAYMENT SYSTEMS, INC. (1)
5225978 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 117 2001
 
UNISYS CORPORATION (3)
5187750 Archival document image processing and printing system 257 1991
5349170 Image-based document processing system providing enhanced transaction balancing 88 1993
5884290 Method of transferring funds employing a three-node real-time electronic interlock 103 1996
 
MONEYFAX, INC. (1)
5122950 Method of and system for electronic funds transfer via facsimile machines 173 1989
 
AT&T CORP. (3)
5373550 Transmission of check images by way of a public switched telephone network 307 1992
5864609 Method for establishing customized billing arrangements for a calling card in a telecommunications network 189 1995
5835580 Method and apparatus for automated provisioning and billing of communication services 231 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 6 2008
* 8117132 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
 
United Services Automobile Association (9)
9129340 Apparatuses, methods and systems for remote deposit capture with enhanced image detection 0 2010
8464933 Systems, methods and apparatus for receiving images of one or more checks 2 2011
8837806 Remote deposit image inspection apparatuses, methods and systems 4 2011
8688579 Automatic remote deposit image preparation apparatuses, methods and systems 12 2011
8611635 Duplicate check detection 1 2012
9158966 Character count determination for a digital image 0 2013
9336517 Systems and methods for alignment of check during mobile deposit 0 2014
9177197 Systems and methods for alignment of check during mobile deposit 0 2014
9177198 Systems and methods for alignment of check during mobile deposit 0 2014
 
PAYPAL, INC. (6)
* 2010/0063,926 PAYMENT APPLICATION FRAMEWORK 3 2008
* 8751387 Payment application framework 0 2009
* 2010/0063,924 PAYMENT APPLICATION FRAMEWORK 2 2009
* 2010/0191,645 PAYMENT APPLICATION FRAMEWORK 3 2010
* 9659443 Triggering in-application currency transfer 0 2013
* 2014/0213,343 TRIGGERING IN-APPLICATION CURRENCY TRANSFER 0 2013
 
JPMORGAN CHASE BANK, NATIONAL ASSOCIATION (5)
7945492 System and method for integrating trading operations including the generation, processing and tracking of and trade documents 8 2000
8622308 System and method for processing transactions using a multi-account transactions device 0 2009
8463687 Upside forward with early funding provision 0 2010
9058626 System and method for financial services device usage 0 2013
9460469 System and method for financial services device usage 0 2015
 
United Services Auto Association (USAA) (1)
8538124 Systems and methods for real-time validation of check image quality 3 2007
 
BANK OF AMERICA CORPORATION (1)
8693737 Authentication systems, operations, processing, and interactions 0 2008
 
Asentinel LLC (1)
8712878 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
 
UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA) (22)
8799147 Systems and methods for remote deposit of negotiable instruments with non-payee institutions 0 2006
8708227 Systems and methods for remote deposit of checks 3 2006
8351677 Systems and methods for remote deposit of checks 13 2006
8959033 Systems and methods for verification of remotely deposited checks 1 2007
8433127 Systems and methods for real-time validation of check image quality 3 2007
8358826 Systems and methods for receiving and orienting an image of one or more checks 10 2007
8320657 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 20 2007
8290237 Systems and methods to use a digital camera to remotely deposit a negotiable instrument 15 2007
8351678 Duplicate check detection 9 2008
8422758 Systems and methods of check re-presentment deterrent 10 2008
7974899 Atomic deposit transaction 82 2008
7962411 Atomic deposit transaction 80 2008
* 7885880 Atomic deposit transaction 80 2008
8391599 Systems and methods for adaptive binarization of an image 2 2008
8452689 Systems and methods of check detection 5 2009
8542921 Systems and methods for remote deposit of negotiable instrument using brightness correction 4 2009
8977571 Systems and methods for image monitoring of check during mobile deposit 2 2009
8699779 Systems and methods for alignment of check during mobile deposit 5 2009
8392332 Systems and methods for remote deposit of checks 6 2010
9569756 Systems and methods for image monitoring of check during mobile deposit 0 2013
9286514 Character count determination for a digital image 0 2013
9224136 Systems and methods for remote deposit of checks 0 2014
* Cited By Examiner

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