Patents Assigned to Checkfree Corporation
  • Patent number: 10291688
    Abstract: Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the view included a first contact. A request may be received from the user to associate an application with the first contact. A revised view may be transmitted to the user responsive to the received request, the revised view including a user-selectable mechanism for invoking the application on the first contact. The user may be redirected to a user interface of the application subsequent to the user selecting the user-selectable mechanism associated with the contact in the revised view, and the redirection may include transmission of information associated with the user and information associated with the first contact.
    Type: Grant
    Filed: May 1, 2013
    Date of Patent: May 14, 2019
    Assignee: CHECKFREE CORPORATION
    Inventors: Mark T. Harris, Hans D. Dreyer, Donald Kenneth Hobday, Jr.
  • Patent number: 10049359
    Abstract: An identity risk score may be determined for subscribers of a service to indicate a level of confidence or certainty associated with a subscriber's identity. The identity risk score may be modified upward or downward in order to reflect changing levels of certainty. The changes may be based on transactions performed on behalf of and/or information submitted by the subscriber. Functionality provided to the subscriber may also be dependent upon whether the subscriber's identity risk score meets a threshold. In one or more arrangements, an identity risk score may be determined based on whether information entered by the subscriber can be confirmed and a level of confidence with which the information is confirmed.
    Type: Grant
    Filed: February 9, 2015
    Date of Patent: August 14, 2018
    Assignee: CheckFree Corporation
    Inventors: Paul J. Lyda, Brett V. Borger, James Patrick McCabe, Roy Alan Southard, Hans D. Dreyer
  • Patent number: 8781959
    Abstract: Systems and methods for generating payment due notifications are provided. A payor and a payee of the payor may be identified by a payment service provider system. At least one notification control parameter associated with communicating payment due notifications to the payor may be identified. Based at least in part upon evaluating a payment history associated with one or more payments made to the payee on behalf of the payor, a payment frequency pattern may be determined. Based at least in part on a portion of the payment history and the determined payment frequency pattern, a next expected payment date may be calculated. In accordance with the at least one notification control parameter, a payment due notification including an identity of the payee and the next expected payment date may be generated. The payment due notification may be transmitted to the payor.
    Type: Grant
    Filed: February 23, 2011
    Date of Patent: July 15, 2014
    Assignee: Checkfree Corporation
    Inventors: Mary Elizabeth Lawson, Cheryl L. Ward, Hans Daniel Dreyer
  • Publication number: 20140101038
    Abstract: To notify a person of the availability of electronic billing information, billing information associated with bills of a biller for its customers is stored in a first data store, and identify information identifying unregistered persons having billing information stored in the first data store, is stored in a second data store. Registration information identifying a person who is currently unregistered is received via a wide area network. The received registration information is compared with the identity information stored in the second data store. Based on the comparison, it is determined if the received registration information identifies a customer of the biller. If so, a notice of the availability of the stored billing information of the biller is transmitted to the person via the wide area network.
    Type: Application
    Filed: December 6, 2013
    Publication date: April 10, 2014
    Applicant: CheckFree Corporation
    Inventor: Ravi Ganesan
  • Patent number: 8612342
    Abstract: To notify a person of the availability of electronic billing information, billing information associated with bills of a biller for its customers is stored in a first data store, and identify information identifying unregistered persons having billing information stored in the first data store, is stored in a second data store. Registration information identifying a person who is currently unregistered is received via a wide area network. The received registration information is compared with the identity information stored in the second data store. Based on the comparison, it is determined if the received registration information identifies a customer of the biller. If so, a notice of the availability of the stored billing information of the biller is transmitted to the person via the wide area network.
    Type: Grant
    Filed: May 31, 2005
    Date of Patent: December 17, 2013
    Assignee: CheckFree Corporation
    Inventor: Ravi Ganesan
  • Publication number: 20130246931
    Abstract: Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the view included a first contact. A request may be received from the user to associate an application with the first contact. A revised view may be transmitted to the user responsive to the received request, the revised view including a user-selectable mechanism for invoking the application on the first contact. The user may be redirected to a user interface of the application subsequent to the user selecting the user-selectable mechanism associated with the contact in the revised view, and the redirection may include transmission of information associated with the user and information associated with the first contact.
    Type: Application
    Filed: May 1, 2013
    Publication date: September 19, 2013
    Applicant: CheckFree Corporation
    Inventors: Mark T. Harris, Hans D. Dreyer, Donald Kenneth Hobday, JR.
  • Patent number: 8463831
    Abstract: Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the view including a first contact. A request may be received from the user to associate an application with the first contact. A revised view may be transmitted to the user responsive to the received request, the revised view including a user-selectable mechanism for invoking the application on the first contact. The user may be redirected to a user interface of the application subsequent to the user selecting the user-selectable mechanism associated with the contact in the revised view, and the redirection may include transmission of information associated with the user and information associated with the first contact.
    Type: Grant
    Filed: June 30, 2008
    Date of Patent: June 11, 2013
    Assignee: Checkfree Corporation
    Inventors: Mark T. Harris, Hans D. Dreyer, Donald Kenneth Hobday, Jr.
  • Publication number: 20130006861
    Abstract: A method of verifying authority of a customer to use a financial instrument, includes initiating one or more transactions using a financial instrument identified by a customer. One or more attributes of the initiated one or more transactions are stored. A determination is made as to whether or not a further financial transaction using the identified financial instrument, requested by the customer prior to acceptance of the use of the financial instrument, complies with pre-acceptance transaction rules. The further transaction is initiated only if it is determined to comply with the pre-acceptance transaction rules. One or more proffered attributes are received, typically from the customer. The received proffered attributes are compared to the stored attributes. Use of the financial instrument by the customer is then accepted if the received proffered attributes correspond to the stored attributes.
    Type: Application
    Filed: June 29, 2012
    Publication date: January 3, 2013
    Applicant: CHECKFREE CORPORATION
    Inventors: Randal A. McCoy, James G. Magers
  • Patent number: 8332317
    Abstract: A method of verifying authority of a customer to use a financial instrument, includes initiating one or more transactions using a financial instrument identified by a customer. One or more attributes of the initiated one or more transactions are stored. A determination is made as to whether or not a further financial transaction using the identified financial instrument, requested by the customer prior to acceptance of the use of the financial instrument, complies with pre-acceptance transaction rules. The further transaction is initiated only if it is determined to comply with the pre-acceptance transaction rules. One or more proffered attributes are received, typically from the customer. The received proffered attributes are compared to the stored attributes. Use of the financial instrument by the customer is then accepted if the received proffered attributes correspond to the stored attributes.
    Type: Grant
    Filed: October 31, 2002
    Date of Patent: December 11, 2012
    Assignee: Checkfree Corporation
    Inventors: Randal A. McCoy, James G. Magers
  • Publication number: 20120209766
    Abstract: Systems and methods for presenting billing information are provided. Billing information may be received by a bill presentment system, and the bill presentment system may transmit a notice indicating availability of bill presentment information associated with the billing information. The notice may be transmitted in accordance with an e-mail protocol, and the notice may include a hyperlink enabling access to the bill presentment information via a second protocol other than the email protocol. Subsequent to transmitting the notice, a request for the bill presentment information may be received responsive to a selection of the hyperlink. The bill presentment information may be generated based upon at least a portion of the billing information. Additionally, the generated bill presentment may be transmitted by the bill presentment system in response to receiving the request.
    Type: Application
    Filed: April 23, 2012
    Publication date: August 16, 2012
    Applicant: CHECKFREE CORPORATION
    Inventors: Bill Kitchen, Ginger B. Moses, Ralph Au
  • Patent number: 8165956
    Abstract: Systems and methods for presenting billing information are provided. A notice may be transmitted via a network by a bill presentment service provider system comprising one or more computers. The notice may be transmitted in accordance with an e-mail protocol, and the notice may indicate availability of billing information via a bill present service provider system. Subsequent to transmitting the notice, a request for the billing information may be received by the bill presentment service provider system via the second protocol. The request may be received responsive to a selection of the hyper-link. Responsive to receiving the request, at least a portion of the billing information may be transmitted by the bill presentment service provider system via the network.
    Type: Grant
    Filed: March 7, 2011
    Date of Patent: April 24, 2012
    Assignee: CheckFree Corporation
    Inventors: Bill Kitchen, Ginger B. Moses, Ralph Au
  • Patent number: 8073773
    Abstract: A technique for identifying a candidate electronic biller having bills available for electronic presentment to a consumer is provided. An electronic commerce service provider receives location information of a first consumer. The service provider accesses information associated with providing a payment service to a second consumer located near the first consumer. This accessing is based on the received location information. At least one potential biller of the first consumer is identified in the accessed information.
    Type: Grant
    Filed: March 27, 2003
    Date of Patent: December 6, 2011
    Assignee: Checkfree Corporation
    Inventors: Casey W. Kozee, Teri W. Bemis, William R. McMichael
  • Patent number: 8010424
    Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. A determination is made as to if a requested payment amount is less than a certain amount. The certain amount is associated with the payee and is determined by the service provider, not the payee. If the payment amount is less than the certain amount, payment to the payee on behalf of the payor is made drawn on an account of the service provider.
    Type: Grant
    Filed: August 1, 2003
    Date of Patent: August 30, 2011
    Assignee: Checkfree Corporation
    Inventors: Daniel Lee Hamilton, William Richard McMichael, Jr., Esther J. Pigg, Cathy E. Webber, Hans D. Dreyer
  • Patent number: 8005754
    Abstract: A payment service provider receives a request to pay a payee on behalf of a payor and determines, responsive to the received request, that the payee will not accept the requested payment via a charge to a credit card account of the payor with a credit card issuer. The payor wishes to fund the requested payment from the credit card account. Accordingly, the payment service provider transmits, to the credit card issuer, account information identifying the credit card account and payment information representing the requested payment for inclusion in a credit card statement of the credit card issuer to the payor for the credit card account. However, the payment service provider directs the requested payment to the payee on behalf of the payor from a payment account other than the credit card account.
    Type: Grant
    Filed: December 30, 2009
    Date of Patent: August 23, 2011
    Assignee: Checkfree Corporation
    Inventors: Randal A. McCoy, Peter J. Kight, David E. Torgerson, Casey W. Kozee
  • Publication number: 20110202458
    Abstract: Systems and methods for presenting billing information are provided. A notice may be transmitted via a network by a bill presentment service provider system comprising one or more computers. The notice may be transmitted in accordance with an e-mail protocol, and the notice may indicate availability of billing information via a bill present service provider system. Subsequent to transmitting the notice, a request for the billing information may be received by the bill presentment service provider system via the second protocol. The request may be received responsive to a selection of the hyper-link. Responsive to receiving the request, at least a portion of the billing information may be transmitted by the bill presentment service provider system via the network.
    Type: Application
    Filed: March 7, 2011
    Publication date: August 18, 2011
    Applicant: CHECKFREE CORPORATION
    Inventors: Bill Kitchen, Ginger B. Moses, Ralph Au
  • Patent number: 7996311
    Abstract: Systems and methods of remittance processing where a merchant database is provided that includes one or more alteration rules that are associated with a particular payee. A consumer account number associated with a payor is received and altered into a modified consumer account number, where the alteration is performed in accordance with one or more of the stored alteration rules. The modified consumer account number may then be transmitted to the particular payee to be utilized, for example, when processing a payment.
    Type: Grant
    Filed: January 28, 2009
    Date of Patent: August 9, 2011
    Assignee: Checkfree Corporation
    Inventors: David Lee Garrison, Patricia A. Kight, Brad Perkins, Cheryl Lynn Ward, Mary Elizabeth Lawson, Amy Lynn Kerin
  • Publication number: 20110145116
    Abstract: Systems and methods for generating payment due notifications are provided. A payor and a payee of the payor may be identified by a payment service provider system. At least one notification control parameter associated with communicating payment due notifications to the payor may be identified. Based at least in part upon evaluating a payment history associated with one or more payments made to the payee on behalf of the payor, a payment frequency pattern may be determined. Based at least in part on a portion of the payment history and the determined payment frequency pattern, a next expected payment date may be calculated. In accordance with the at least one notification control parameter, a payment due notification including an identity of the payee and the next expected payment date may be generated. The payment due notification may be transmitted to the payor.
    Type: Application
    Filed: February 23, 2011
    Publication date: June 16, 2011
    Applicant: CHECKFREE CORPORATION
    Inventors: Mary Elizabeth Lawson, Cheryl L. Ward, Hans Dreyer
  • Patent number: 7933826
    Abstract: To electronically authorize and initiate payment, payment information including a date which pre-dates a due date of a payment by an amount of time corresponding to a time period for making payment in a particular manner. The received payment information is displayed in the form of a check, with the date displayed as a date on the check. A user authorization to proceed with the payment is received. An instruction to initiate the payment in the particular manner on the check date is transmitted based on the received user authorization.
    Type: Grant
    Filed: June 28, 2001
    Date of Patent: April 26, 2011
    Assignee: CheckFree Corporation
    Inventors: Bill Kitchen, Ginger B. Moses, Ralph Au, Clarence M. Bringardner, Kenneth W. Bradley, III
  • Patent number: 7930239
    Abstract: A technique for resolving a violation of an investment account restriction is provided. The restriction is associated with the holding of one or more securities in an investment account. A restriction definition and an associated resolution rule are stored in a data repository. A received order to perform an investment account management action is processed to determine that performance of the action violates the stored restriction definition. The associated resolution rule is then retrieved based upon the determination and then executed. Indications of the determined violation and of the executed resolution rule are stored in the data repository.
    Type: Grant
    Filed: July 15, 2009
    Date of Patent: April 19, 2011
    Assignee: CheckFree Corporation
    Inventors: Michele Pierdinock, William McKinney, Charles Smith, Simon Gershon, Adrian Feliciano, Ann Harding, Donna Figlik, Lorraine Giordano, Amy Kandravy
  • Patent number: 7930248
    Abstract: A technique for determining a period of time to complete a payment to a payee is provided. The time that each of one or more payments to a payee is issued is stored. Post-issue event information associated with each of the one or more payments is received. The period of time to complete a future payment to that payee on behalf of a payor is then determined based upon the stored payment issue time information and the received post-issue event information.
    Type: Grant
    Filed: June 30, 2003
    Date of Patent: April 19, 2011
    Assignee: CheckFree Corporation
    Inventors: Mary Elizabeth Lawson, Cheryl L. Ward, Hans Dreyer