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, NJ34

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Kach, Jeffrey F Ardsley, NY 9 19
Polk, John D McLean, VA 14 23
Selway, James K Austin, TX 9 19

Cited Art Landscape

Patent Info (Count) # Cites Year
 
ACS State & Local Solutions, Inc. (5)
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6,567,821 Method and apparatus for electronic collection, translation, grouping and delivery of wage assignment information 78 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 76 1999
7,072,909 Method and apparatus for electronic collection, translation, grouping, and delivery of wage assignment information 72 2002
 
JPMORGAN CHASE BANK, N.A. (4)
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103 RAMEY AVENUE, INC. (1)
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BDT Products, Inc. (1)
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InLeague, Inc. (1)
6,401,079 System for web-based payroll and benefits administration 192 1999
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (1)
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ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1342 1989
 
SEIKO INSTRUMENTS INC. (1)
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SEVEN NETWORKS, INC. (1)
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THE WESTERN UNION COMPANY (1)
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THOMSON REUTERS (SCIENTIFIC) INC. (1)
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XEROX CORPORATION (1)
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Other [Check patent profile for assignment information] (6)
4,823,264 Electronic funds transfer system 554 1986
4,820,167 Electronic school teaching system 128 1987
5,576,951 Automated sales and services system 378 1994
6,233,428 System and method for distribution of child care training materials and remote monitoring of child care centers 72 1997
6,311,170 Method and apparatus for making payments and delivering payment information 167 1997
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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

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

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