Patents by Inventor Tamara K. Christenson

Tamara K. Christenson 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: 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
  • 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
  • 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: 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
  • Patent number: 5873072
    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: Grant
    Filed: January 13, 1995
    Date of Patent: February 16, 1999
    Assignee: Checkfree Corporation
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook
  • Patent number: 5383113
    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 to the merchants according to the consumers' instructions based on a financial risk analysis.
    Type: Grant
    Filed: July 25, 1991
    Date of Patent: January 17, 1995
    Assignee: Checkfree Corporation
    Inventors: Peter J. Kight, Mark A. Johnson, Tamara K. Christenson, Regina Lach, Philip Pointer, Kenneth Cook