US Patent No: 7,739,195
Number of patents in Portfolio can not be more than 2000
Apparatus and methods for providing a payment system over a network
Stats
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Jun 15, 2010
Issued date -
Jan 14, 2002
filing date -
10/043,493
serial no -
In Force
status
Importance
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Abstract
Apparatus and methods provide an accumulator that processes electronic payments from an employer to a recipient via a network. The payments processed may be, for example, child support payments collected from an employee by the employer. The employer may submit one transaction made up of payments collected from multiple employees bound for multiple recipients and the accumulator may receive, translate, batch, and deliver the payments to the multiple recipients. The accumulator, employers, and recipients may communicate via a network such as the Internet.
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First Claim
Related Publications
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International Classification(s)
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Cited Art
| Patent Info | (Count) | # Cites | Year |
|---|---|---|---|
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| 5,946,669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange | 100 | 1997 | |
| 6,119,107 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange | 126 | 1998 | |
| 6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information | 54 | 1998 | |
| 7,225,155 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange | 51 | 1999 | |
| 7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information | 50 | 2002 | |
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| 5,917,965 Method and apparatus for storing images of documents having magnetic ink code line | 105 | 1995 | |
| 7,165,049 Sponsor funded stored value card | 63 | 2002 | |
| 7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others | 36 | 2004 | |
| 7,317,823 Lockbox imaging system | 41 | 2006 | |
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| 5,893,080 Disbursement system and method | 132 | 1995 | |
| 6,223,168 Automatic remittance delivery system | 141 | 1998 | |
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| 5,884,283 System, method and program product for managing and controlling the disposition of financial resources | 61 | 1996 | |
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| 5,317,732 System for relocating a multimedia presentation on a different platform by extracting a resource map in order to remap and relocate resources | 106 | 1991 | |
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| 5,231,569 Account transaction system | 208 | 1990 | |
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| 5,806,842 Output paper sheet finishing module and method of using same | 19 | 1996 | |
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| 5,369,699 Adaptable personnel supervisory system with automatic fee collection | 89 | 1993 | |
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| 5,652,786 Automated interactive bill payment system | 209 | 1996 | |
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| 2002/0046,074 Career management system, method and computer program product | 67 | 2001 | |
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| 6,615,190 Sponsor funded stored value card | 161 | 2000 | |
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| 5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans | 523 | 1991 | |
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| 5,878,405 Pension planning and liquidity management system | 175 | 1996 | |
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| 5,600,554 Methods and apparatus for securing, integrating, and manipulating employee payroll and human resource information | 50 | 1994 | |
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| 5,265,007 Central check clearing system | 130 | 1989 | |
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| 6,347,305 Method for selecting and processing a payroll deduction plan as a payment option during electronic commerce | 64 | 1999 | |
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| 6,034,605 System/method for secure storage of personal information and for broadcast of the personal information at a time of emergency | 24 | 1998 | |
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| 5,900,801 Integral master system for monitoring food service requirements for compliance at a plurality of food service establishments | 118 | 1998 | |
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| 5,761,647 National customer recognition system and method | 444 | 1996 | |
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| 6,052,674 Electronic invoicing and collection system and method with charity donations | 134 | 1997 | |
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| 6,401,079 System for web-based payroll and benefits administration | 149 | 1999 | |
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| 5,590,360 Apparatus and method for gathering and entering data requirements from multiple users in the building of process models and data models | 53 | 1994 | |
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| 5,490,243 Data processing system for multi-platform print control and electronic data fill | 40 | 1992 | |
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| 6,347,304 Computer-based system, computer program product and method for recovering tax revenue | 35 | 1999 | |
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| 5,892,900 Systems and methods for secure transaction management and electronic rights protection | 1511 | 1996 | |
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| 5,699,528 System and method for bill delivery and payment over a communications network | 813 | 1995 | |
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| 6,270,351 Individual education program tracking system | 53 | 1998 | |
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| 5,235,507 Health insurance management system | 128 | 1990 | |
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| 6,070,150 Electronic bill presentment and payment system | 343 | 1996 | |
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| 5,220,501 Method and system for remote delivery of retail banking services | 1133 | 1989 | |
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| 5,054,112 Electronic data collection system | 56 | 1989 | |
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| 5,704,029 System and method for completing an electronic form | 369 | 1994 | |
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| 6,829,588 Electronic payroll system & method | 68 | 1999 | |
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| 6,183,140 System and method for monitoring international tax status | 29 | 1995 | |
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| 5,283,829 System and method for paying bills electronically | 389 | 1992 | |
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| 5,666,645 Data management and distribution system and method for an electronic television program guide | 209 | 1995 | |
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| 5,649,117 System and method for paying bills and other obligations including selective payor and payee controls | 342 | 1994 | |
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| 5,465,206 Electronic bill pay system | 606 | 1993 | |
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| 5,245,368 Method and apparatus of utilizing stored job information in an electronic reprographic printing system | 46 | 1990 | |
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| 4,823,264 Electronic funds transfer system | 478 | 1986 | |
| 4,820,167 Electronic school teaching system | 120 | 1987 | |
| 5,576,951 Automated sales and services system | 307 | 1994 | |
| 6,233,428 System and method for distribution of child care training materials and remote monitoring of child care centers | 55 | 1997 | |
| 6,311,170 Method and apparatus for making payments and delivering payment information | 119 | 1997 | |
| 2002/0032,651 Method and apparatus for making payments and delivering payment information | 40 | 2001 | |
Patent Citation Ranking
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 15, 2013 |
| 7.5 Year Payment | $3600.00 | $1800.00 | $900.00 | Dec 15, 2017 |
| 11.5 Year Payment | $7400.00 | $3700.00 | $1850.00 | Dec 15, 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 |