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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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
 
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 137 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 181 1998
6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 79 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 78 1999
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 75 2002
 
JPMORGAN CHASE BANK, N.A. (4)
5,917,965 Method and apparatus for storing images of documents having magnetic ink code line 139 1995
7,165,049 Sponsor funded stored value card 102 2002
7,174,315 Debit purchasing of stored value card for use by and/or deliveries to others 61 2004
7,317,823 Lockbox imaging system 67 2006
 
Bottomline Technologies (DE) Inc. (2)
5,893,080 Disbursement system and method 163 1995
6,223,168 Automatic remittance delivery system 187 1998
 
103 RAMEY AVENUE, INC. (1)
5,884,283 System, method and program product for managing and controlling the disposition of financial resources 69 1996
 
AMIGA DEVELOPMENT LLC, A LIMITED LIABILITY COMPANY OF THE STATE OF DELAWARE (1)
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 124 1991
 
ASSOCIATES COMMERCE SOLUTIONS, INC. (1)
5,231,569 Account transaction system 264 1990
 
BDT Products, Inc. (1)
5,806,842 Output paper sheet finishing module and method of using same 22 1996
 
BI Incorporated (1)
5,369,699 Adaptable personnel supervisory system with automatic fee collection 109 1993
 
BMC RESOURCES, INC. (1)
5,652,786 Automated interactive bill payment system 269 1996
 
CAREERELITE.COM, INC. (1)
2002/0046,074 Career management system, method and computer program product 84 2001
 
CHASE MANHATAN BANK USA, N.A. (1)
6,615,190 Sponsor funded stored value card 216 2000
 
CHECKFREE CORPORATION (1)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 625 1991
 
Coordinated Data Services, Inc. (1)
5,878,405 Pension planning and liquidity management system 236 1996
 
CRUCIBLE MATERIALS CORPORATION (1)
* 5,600,554 Methods and apparatus for securing, integrating, and manipulating employee payroll and human resource information 58 1994
 
DATATREASURY CORPORATION (1)
5,265,007 Central check clearing system 157 1989
 
E-DUCTION, INC. (1)
* 6,347,305 Method for selecting and processing a payroll deduction plan as a payment option during electronic commerce 81 1999
 
FAMILY TRUSTED PRODUCTS, LLC (1)
6,034,605 System/method for secure storage of personal information and for broadcast of the personal information at a time of emergency 30 1998
 
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 136 1998
 
HARRAH'S OPERATING COMPANY, INC. (1)
5,761,647 National customer recognition system and method 588 1996
 
INFORMATION RETRIEVAL CONSULTANTS (WORLDWIDE HOLDINGS) LIMITED (1)
6,052,674 Electronic invoicing and collection system and method with charity donations 207 1997
 
InLeague, Inc. (1)
* 6,401,079 System for web-based payroll and benefits administration 196 1999
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
5,590,360 Apparatus and method for gathering and entering data requirements from multiple users in the building of process models and data models 62 1994
 
INTERNET COMMERCE EXPRESS, INC. (1)
5,490,243 Data processing system for multi-platform print control and electronic data fill 44 1992
 
Interstate Solutions, LLC (1)
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InterTrust Technologies Corp. (1)
5,892,900 Systems and methods for secure transaction management and electronic rights protection 1955 1996
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
5,699,528 System and method for bill delivery and payment over a communications network 1005 1995
 
MED POWER, INC. (1)
5,235,507 Health insurance management system 174 1990
 
MICROSOFT CORPORATION (1)
6,070,150 Electronic bill presentment and payment system 431 1996
 
Midwest Payment Systems (1)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 431 1994
 
ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1376 1989
 
SEIKO INSTRUMENTS INC. (1)
5,054,112 Electronic data collection system 59 1989
 
SEVEN NETWORKS, INC. (1)
5,704,029 System and method for completing an electronic form 488 1994
 
THE WESTERN UNION COMPANY (1)
* 6,829,588 Electronic payroll system & method 88 1999
 
THOMSON REUTERS (SCIENTIFIC) INC. (1)
6,183,140 System and method for monitoring international tax status 36 1995
 
TTI INVENTIONS C LLC (1)
5,283,829 System and method for paying bills electronically 465 1992
 
UNITED VIDEO PROPERTIES, INC. (1)
5,666,645 Data management and distribution system and method for an electronic television program guide 307 1995
 
VERIZON PATENT AND LICENSING INC. (1)
6,270,351 Individual education program tracking system 66 1998
 
VISA INTERNATIONAL SERVICE ASSOCIATION (1)
5,465,206 Electronic bill pay system 766 1993
 
XEROX CORPORATION (1)
5,245,368 Method and apparatus of utilizing stored job information in an electronic reprographic printing system 50 1990
 
Other [Check patent profile for assignment information] (6)
4,823,264 Electronic funds transfer system 571 1986
4,820,167 Electronic school teaching system 130 1987
5,576,951 Automated sales and services system 396 1994
6,233,428 System and method for distribution of child care training materials and remote monitoring of child care centers 78 1997
6,311,170 Method and apparatus for making payments and delivering payment information 170 1997
2002/0032,651 Method and apparatus for making payments and delivering payment information 57 2001
* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

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