Checkfree Corporation

Checkfree Services Corporation

Cheryl Lynn Ward

Mary Elizabeth Lawson

Patricia A Kight

Brad Perkins

Amy Lynn Kerin

David Lee Garrison

Hans Daniel Dreyer

Peter Moenickheim

Donald Kenneth Hobday, Jr

Randal A McCoy

Casey W Kozee

Teri W Bemis

William D Zielke

John J Frech

William R McMichael, Jr

John Alfred Brothers, Ii

Richard A Stratton

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.

Systems and methods for generating payment due notifications

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.

Remittance payment processing with account scheming and/or validation

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.

Technique for calculating payee specific time to payment completion

A method and apparatus for electronically processing bill payment requests where respective sets of payment requests are received electronically from a plurality of independent sources, each set of payment requests corresponding to an associated set of payers requesting payments to a plurality of payees. The payment requests are processed at a single remittance processing system having a database including payee information for each of the plurality of payees to generate payment directions for paying the plurality of payees in accordance with the processed payment requests.

Dual source remittance processing

A technique for making a payment to a payee on behalf of a payor is provided. A payment service provider receives a payment request from a payor requesting the service provider to make a payment to a payee on behalf of the payor. The service provider then transmits pre-posting information to the payee prior to making the payment. The pre-posting information informs the payee that the service provider will be making a payment to the payee on behalf of the payor. Whenever the service provider makes the payment to the payee, the service provider also issues remittance advice associated with the payment to the payee.

Technique for information flow to payees

A technique for identifying electronic billers of a consumer whose bills are available by electronic presentment is provided. A request to identify electronic billers of the consumer is received. This request includes information that identifies the consumer, but excludes any information identifying any biller, electronic or not, of the consumer. From this information that does not identify any biller of the consumer, one more candidate electronic billers of the consumer are identified. Then, a positive determination is made that at least one of these candidate electronic billers is definitely an electronic biller of the consumer. Thus, electronic billers of the consumer are identified without the consumer identifying any biller.

Matching consumers with billers having bills available for electronic presentment

A computer implemented system and method for payment remittance receives a payor's payment information, processes this payment information, other than a received zip code, to identify an eleven digit zip code for a payee. The system and method then accesses a database of payee records to locate a payee record corresponding to the eleven digit zip code.

Electronic bill payment system with merchant identification

A remittance payment method and system which receives a payor's account number with a payee, transforming it into an altered account number according to alteration rules previously stored in a merchant's database.

Growing community of inventors

Hilliard, OH, United States of America

Cheryl Lynn Ward