Patents by Inventor Esther J. Pigg

Esther J. Pigg has filed for patents to protect the following inventions. This listing includes patent applications that are pending as well as patents that have already been granted by the United States Patent and Trademark Office (USPTO).

  • Payment processing with payee risk management
    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
  • Payment processing with selection of a risk reduction technique
    Patent number: 7809617
    Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. The service provider identifies one or more risk reduction techniques available for use in fulfilling a received payment request. The risk reduction techniques are identified based upon the received payment request. An identified technique is selected and payment is made according to that selected risk reduction technique.
    Type: Grant
    Filed: August 1, 2003
    Date of Patent: October 5, 2010
    Assignee: CheckFree Corporation
    Inventors: Daniel Lee Hamilton, William Richard McMichael, Jr., Esther J. Pigg, Cathy E. Webber, Hans D. Dreyer
  • Payment processing with selection of an electronic debiting option
    Patent number: 7702583
    Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provider. The service provider identifies those of multiple electronic debiting options available for completing a payment request. One of the identified options is selected and a payment account of the payee is electronically debited according to the selected option.
    Type: Grant
    Filed: August 1, 2003
    Date of Patent: April 20, 2010
    Assignee: CheckFree Corporation
    Inventors: Daniel Lee Hamilton, William Richard McMichael, Jr., Esther J. Pigg, Cathy E. Webber, Hans D. Dreyer
  • Payment processing with selection of a processing parameter
    Patent number: 7653598
    Abstract: A technique for making a payment to a payee on behalf of a payor is provided. A selection is made, based upon a received payment request, of a processing parameter from a group of processing parameters. The group of processing parameters consists of at least two of three processing parameters. The three processing parameters are a speed of processing, cost of processing, and a risk of processing. The payment is made according to the selected processing parameter.
    Type: Grant
    Filed: August 1, 2003
    Date of Patent: January 26, 2010
    Assignee: CheckFree Corporation
    Inventors: Daniel Lee Hamilton, William Richard McMichael, Jr., Esther J. Pigg, Cathy E. Webber, Hans D. Dreyer