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

ALSO PUBLISHED AS: 20020133459

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Importance

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Abstract

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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

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Patent Owner(s)

Patent OwnerAddressTotal Patents
ACS STATE & LOCAL SOLUTIONS, INC.TEANECK, NJ33

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Kach, Jeffrey F Ardsley, NY 11 21
Polk, John D McLean, VA 16 25
Selway, James K Austin, TX 11 21

Cited Art Landscape

Patent Info (Count) # Cites Year
 
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6,223,168 Automatic remittance delivery system 190 1998
 
Other [Check patent profile for assignment information] (6)
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6,311,170 Method and apparatus for making payments and delivering payment information 173 1997
2002/0032,651 Method and apparatus for making payments and delivering payment information 59 2001
 
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103 RAMEY AVENUE, INC. (1)
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E-DUCTION, INC. (1)
* 6,347,305 Method for selecting and processing a payroll deduction plan as a payment option during electronic commerce 82 1999
 
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BDT Products, Inc. (1)
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THE WESTERN UNION COMPANY (1)
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INFORMATION RETRIEVAL CONSULTANTS (WORLDWIDE HOLDINGS) LIMITED (1)
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DATATREASURY CORPORATION (1)
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MASTERCARD INTERNATIONAL INCORPORATED (1)
5,699,528 System and method for bill delivery and payment over a communications network 1029 1995
 
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JPMORGAN CHASE BANK, N.A. (4)
5,917,965 Method and apparatus for storing images of documents having magnetic ink code line 142 1995
7,165,049 Sponsor funded stored value card 103 2002
7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others 64 2004
7,317,823 Lockbox imaging system 69 2006
 
MICROSOFT TECHNOLOGY LICENSING, LLC (1)
6,070,150 Electronic bill presentment and payment system 439 1996
 
MED POWER, INC. (1)
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SEVEN NETWORKS, INC. (1)
5,704,029 System and method for completing an electronic form 521 1994
 
CHASE MANHATAN BANK USA, N.A. (1)
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BMC RESOURCES, INC. (1)
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BI INCORPORATED (1)
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CRUCIBLE MATERIALS CORPORATION (1)
* 5,600,554 Methods and apparatus for securing, integrating, and manipulating employee payroll and human resource information 60 1994
 
FOOD SAFETY SOLUTIONS CORP. (1)
5,900,801 Integral master system for monitoring food service requirements for compliance at a plurality of food service establishments 143 1998
 
ACS State & Local Solutions, Inc. (5)
5,946,669 Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange 140 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 185 1998
6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 80 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 79 1999
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 77 2002
 
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* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
FMR LLC (1)
8,660,861 Allocation of financial incentives for employee wellness programs 0 2012
 
CITIGROUP GLOBAL MARKETS, INC. (1)
8,880,889 Systems and methods for remote authorization of financial transactions using public key infrastructure (PKI) 0 2008
* Cited By Examiner

Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
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 - 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