Checkfree Corporation

Checkfree Services Corporation

David Lee Garrison

Mary Elizabeth Lawson

Cheryl Lynn Ward

Patricia A Kight

Amy Lynn Kerin

Brad Perkins

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 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 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

Columbus, OH, United States of America

David Lee Garrison