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).
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Patent number: 8005754Abstract: 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: GrantFiled: December 30, 2009Date of Patent: August 23, 2011Assignee: Checkfree CorporationInventors: Randal A. McCoy, Peter J. Kight, David E. Torgerson, Casey W. Kozee
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Patent number: 7853524Abstract: 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: GrantFiled: December 26, 2001Date of Patent: December 14, 2010Assignee: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Publication number: 20100100467Abstract: 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: ApplicationFiled: December 30, 2009Publication date: April 22, 2010Applicant: CHECKFREE CORPORATIONInventors: Randal A. McCoy, Peter J. Kight, David E. Torgerson, Casey W. Kozee
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Patent number: 7644036Abstract: 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: GrantFiled: June 30, 2006Date of Patent: January 5, 2010Assignee: Checkfree CorporationInventors: Randal A. McCoy, Peter J. Kight, David E. Torgerson, Casey W. Kozee
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Patent number: 7383226Abstract: 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: GrantFiled: December 1, 2003Date of Patent: June 3, 2008Assignee: CheckFree CorporationInventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
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Patent number: 7240031Abstract: 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: GrantFiled: March 31, 2000Date of Patent: July 3, 2007Assignee: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Patent number: 7213003Abstract: 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: GrantFiled: March 31, 2000Date of Patent: May 1, 2007Assignee: Checkfree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Patent number: 7107244Abstract: 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: GrantFiled: June 11, 2001Date of Patent: September 12, 2006Assignee: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Patent number: 6932268Abstract: 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: GrantFiled: June 30, 2003Date of Patent: August 23, 2005Assignee: CheckFree CorporationInventors: Randal A. McCoy, Peter J. Kight, David E. Torgerson, Casey W. Kozee
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Publication number: 20040093305Abstract: 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: ApplicationFiled: October 31, 2003Publication date: May 13, 2004Applicant: CHECKFREE CORPORATIONInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Publication number: 20040083171Abstract: 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: ApplicationFiled: October 31, 2003Publication date: April 29, 2004Applicant: CHECKFREE CORPORATIONInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
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Publication number: 20040083167Abstract: 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: ApplicationFiled: June 30, 2003Publication date: April 29, 2004Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
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Publication number: 20040064408Abstract: 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: ApplicationFiled: November 24, 2003Publication date: April 1, 2004Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
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Publication number: 20040064407Abstract: 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: ApplicationFiled: November 24, 2003Publication date: April 1, 2004Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
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Publication number: 20040064410Abstract: 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: ApplicationFiled: June 30, 2003Publication date: April 1, 2004Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
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Publication number: 20040064409Abstract: 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: ApplicationFiled: June 30, 2003Publication date: April 1, 2004Inventors: Peter J. Kight, William C. Kitchen, Mark A. Johnson
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Publication number: 20030023552Abstract: 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: ApplicationFiled: September 5, 2002Publication date: January 30, 2003Applicant: CheckFree Services CorporationInventors: Peter J. Kight, Hans Daniel Dreyer
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Publication number: 20020065773Abstract: 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: ApplicationFiled: December 26, 2001Publication date: May 30, 2002Applicant: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lack, Philip Pointer, Kenneth Cook
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Publication number: 20020062282Abstract: 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: ApplicationFiled: December 26, 2001Publication date: May 23, 2002Applicant: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lack, Philip Pointer, Kenneth Cook
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Publication number: 20010044776Abstract: 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: ApplicationFiled: June 11, 2001Publication date: November 22, 2001Applicant: CheckFree CorporationInventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook