Patents by Inventor Peter J. Kight

Peter J. Kight 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).

  • 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
  • Patent number: 7853524
    Abstract: Systems and methods for selecting a form for crediting a payee by a payment service provider include receiving a request to pay a payee on behalf of a payer. A form for crediting the payee is selected based on at least one of a comparison of a payer account number associated with the payer and the payee to a merchant account scheme associated with the payee or a comparison of a payment amount associated with the received request to a merchant credit limit associated with the payee. A payment is directed to the payee in accordance with the selected form for crediting.
    Type: Grant
    Filed: December 26, 2001
    Date of Patent: December 14, 2010
    Assignee: CheckFree Corporation
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
  • Publication number: 20100100467
    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: Application
    Filed: December 30, 2009
    Publication date: April 22, 2010
    Applicant: CHECKFREE CORPORATION
    Inventors: Randal A. McCoy, Peter J. Kight, David E. Torgerson, Casey W. Kozee
  • Patent number: 7644036
    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: June 30, 2006
    Date of Patent: January 5, 2010
    Assignee: Checkfree Corporation
    Inventors: Randal A. McCoy, Peter J. Kight, David E. Torgerson, Casey W. Kozee
  • Patent number: 7383226
    Abstract: To electronically present and pay bills, bill information representing a plurality of bills of a plurality of billers for a plurality of payors is transmitted to the plurality of payors. The transmitted bill information includes first information representing a first of the plurality of bills of a first of the plurality of billers for a first of the plurality of payors. A payment instruction from the first payor to pay the first bill, based on the transmitted first information, is received. A risk associated with payment of the first bill is determined and a debit type is selected based upon the determined risk. A payment of the first bill to the first biller is initiated based on the received payment instruction and to the selected debit type.
    Type: Grant
    Filed: December 1, 2003
    Date of Patent: June 3, 2008
    Assignee: CheckFree Corporation
    Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
  • Patent number: 7240031
    Abstract: A method and system for paying bills. A service provider receives, via a network, a request to pay a bill on behalf of a consumer. The consumer can request that any merchant be paid. The service provider searches a master database containing names of merchants to determine if the merchant the consumer has requested be paid is included in the database. If the merchant is not included in the database the service provider adds the merchant to the database. The request is processed to generate an instruction to pay the merchant.
    Type: Grant
    Filed: March 31, 2000
    Date of Patent: July 3, 2007
    Assignee: CheckFree Corporation
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
  • Patent number: 7213003
    Abstract: A system and method for paying bills which uses bank routing numbers. A service provider receives a bank routing number from a consumer, the routing number belonging to the bank at which the consumer maintains a deposit account. The service provider verifies that this received routing number is correct. The verification includes comparing the received routing number to a database of routing numbers which the service provider has obtained from banks.
    Type: Grant
    Filed: March 31, 2000
    Date of Patent: May 1, 2007
    Assignee: Checkfree Corporation
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
  • Patent number: 7107244
    Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications methods to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers instructions.
    Type: Grant
    Filed: June 11, 2001
    Date of Patent: September 12, 2006
    Assignee: CheckFree Corporation
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
  • Patent number: 6932268
    Abstract: A technique for directing a credit card based payment to a payee for a payor having a credit card issued by a credit card issuer is provided. A request for a payment service provider to make a payment to the payee on behalf of the payor is received. Payment information associated with the payment request is sent to the credit card issuer. The information is not sent via a credit card network. The credit card issuer then sends funds to the payment service provider in response to the sent payment information. These funds are not sent via a credit card network. The payment service provider delivers funds to the payee, not the credit card issuer.
    Type: Grant
    Filed: June 30, 2003
    Date of Patent: August 23, 2005
    Assignee: CheckFree Corporation
    Inventors: Randal A. McCoy, Peter J. Kight, David E. Torgerson, Casey W. Kozee
  • Publication number: 20040093305
    Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.
    Type: Application
    Filed: October 31, 2003
    Publication date: May 13, 2004
    Applicant: CHECKFREE CORPORATION
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
  • Publication number: 20040083171
    Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.
    Type: Application
    Filed: October 31, 2003
    Publication date: April 29, 2004
    Applicant: CHECKFREE CORPORATION
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
  • Publication number: 20040083167
    Abstract: To provide integrated electronic presentment of bills and payment, bill information representing a plurality of bills of a plurality of electronic billers for a plurality of subscriber payors, is transmitted from a service provider via a communications network. A first payment instruction from the first subscriber payor, to pay a first electronic bill of a first electronic biller based on the transmitted bill information, is received at the service provider via the communications network. A second payment instruction from another payor, which may or may not be a subscriber, to pay another payee, which may or may not be an electronic biller or a biller at al, based on other than the transmitted bill information, is also received at the service provider via the communications network. Payment of the first bill to the first electronic biller is initiated, at the service provider, based on the received first payment instruction.
    Type: Application
    Filed: June 30, 2003
    Publication date: April 29, 2004
    Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
  • Publication number: 20040064408
    Abstract: A service provider activates, for a subscriber, a first biller for electronic presentment of bills and a second biller for electronic bill payments by receiving, from the subscriber, information identifying the first and the second of a plurality of billers, as well as subscriber information associated with the subscriber. The service provider transmits to the first biller a request for verification of validity of the received subscriber information, and receives a verification of validity responsive to the transmitted verification request. Based on the received verification of validity, the service provider activates electronic presentment of bills of the first biller for the subscriber. On the other hand, the service provider activates only electronic bill payment of the second biller for the subscriber, without any verification from the second biller of the validity of the received subscriber information.
    Type: Application
    Filed: November 24, 2003
    Publication date: April 1, 2004
    Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
  • Publication number: 20040064407
    Abstract: A method of integrating presentment and payment of bills is provided. Bill information, representing a first bill of a first payee, but not a second bill of a second payee, for a payor is transmitted from the service provider to the payor via the communications network. A first payment instruction to pay the first bill based on the transmitted bill information, and a second payment instruction to pay the second bill which was not transmitted to the payor by the service provuder, are received at the service provider via the communications network. Payment of the first bill to the first payee is initiated by the service provider based on the received first payment instruction. Payment of the second bill to the second payee is initiated by the service provider based upon the second payment instruction.
    Type: Application
    Filed: November 24, 2003
    Publication date: April 1, 2004
    Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
  • Publication number: 20040064410
    Abstract: A service provider activates subscribers for electronic presentment of bills and for electronic payments by receiving, from a first subscriber, information identifying a first of a plurality of billers and information that the first biller associates with the first subscriber. The service provider also receives, from a second subscriber, information identifying a second of the plurality of billers and information that the second biller associates with the second subscriber. The service provider transmits to the first biller a request for verification of validity of the received information which the first biller associates with the first subscriber, and receives a verification of validity responsive to the transmitted verification request. Based on the received verification of validity, the service provider activates the first subscriber for electronic presentment of bills of the first biller.
    Type: Application
    Filed: June 30, 2003
    Publication date: April 1, 2004
    Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
  • Publication number: 20040064409
    Abstract: A system for delivering and paying subscriber bills associated with a plurality of billers includes a server computer and at least one subscriber computer connected to a communications network. The server computer transmits bill presentment information representing one or more bills for a subscriber, each of the one or more bills having an associated biller, via the network. A subscriber computer includes a communications port for receiving the transmitted bill presentment information representing the one or more bills for the subscriber, and a display for displaying the received bill presentment information. An input device is also provided for selecting at least one of the one or more bills represented by the displayed bill presentment information. The subscriber computer additionally has a processor for causing the communications port to transmit a payment record for the selected at least one bill, to the server computer via the network, responsive to the selection.
    Type: Application
    Filed: June 30, 2003
    Publication date: April 1, 2004
    Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
  • Publication number: 20030023552
    Abstract: A technique for making a payment for a payor is provided. The technique includes receiving a request to make a payment to a payee for the payor. An account identifier which is associated with a deposit account belonging to the payee is identified based upon processing of the received payment request. The account identifier is not a deposit account number assigned to the deposit account by the financial institution at which the deposit account is maintained. A payment is then directed to the payee's deposit account utilizing the identified account identifier.
    Type: Application
    Filed: September 5, 2002
    Publication date: January 30, 2003
    Applicant: CheckFree Services Corporation
    Inventors: Peter J. Kight, Hans Daniel Dreyer
  • Publication number: 20020065773
    Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.
    Type: Application
    Filed: December 26, 2001
    Publication date: May 30, 2002
    Applicant: CheckFree Corporation
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lack, Philip Pointer, Kenneth Cook
  • Publication number: 20020062282
    Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.
    Type: Application
    Filed: December 26, 2001
    Publication date: May 23, 2002
    Applicant: CheckFree Corporation
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lack, Philip Pointer, Kenneth Cook
  • Publication number: 20010044776
    Abstract: A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.
    Type: Application
    Filed: June 11, 2001
    Publication date: November 22, 2001
    Applicant: CheckFree Corporation
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook