Checkfree Corporation

Fiserv Incorporated

Checkfree Services Corporation

Donald Kenneth Hobday, Jr

Hans Daniel Dreyer

Mary Elizabeth Lawson

Mark T Harris

Robert T Homer

Barbara Wilson Whiteside

Joseph Carl Dickerson

Ravi Ganesan

Peter J Kight

Cheryl Lynn Ward

Randal A McCoy

Peter Moenickheim

Paul J Lyda

Teri W Bemis

William D Zielke

John J Frech

Matthew Sheridan Lewis

Michael Wayne Earley

Timothy Herdklotz

Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the view included a first contact. A request may be received from the user to associate an application with the first contact. A revised view may be transmitted to the user responsive to the received request, the revised view including a user-selectable mechanism for invoking the application on the first contact. The user may be redirected to a user interface of the application subsequent to the user selecting the user-selectable mechanism associated with the contact in the revised view, and the redirection may include transmission of information associated with the user and information associated with the first contact.

User association of a computing application with a contact in a contact list

Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network.

Inter-network financial service

Systems and methods for personalized security management of online applications are provided. A determination may be made that a condition for constructing an increased authentication proposal for access to an online financial service is satisfied. The increased authentication proposal may be associated with (i) a user of the online financial service and (ii) a user request option associated with the online financial service. Based upon the determination that the condition is satisfied, the increased authentication proposal may be generated and transmitted for presentation to the user. An increased authentication proposal response may then be received, and the increased authentication proposal response may be processed in order to store, in association with the user and the user request option, (i) an indication of an increased authentication condition and (ii) an indication of an increased authentication mechanism.

Personalized security management

Embodiments of the invention may provide systems and methods for processing a payment coupon image. In one embodiment, a method includes receiving an image representing a payment coupon from a payer, determining an identity of a biller associated with the payment coupon based at least in part on information displayed by the image, and extracting data from the image based at least in part on payment coupon metadata associated with the biller indicating a layout of the payment coupon. The method may further include performing at least one of: (a) processing a payment associated with the payment coupon to the biller based at least in part on the data extracted from the image; (b) adding the biller to a list of billers for a payer associated with the payment coupon; or (c) activating the biller as an electronic biller for the payer associated with the payment coupon.

Systems and methods for processing a payment coupon image

Embodiments of the invention may provide systems and methods for capturing and processing payment coupon information. In one embodiment, a method includes receiving an image representing a payment coupon from a payer and determining an identity of a biller associated with the payment coupon from the image. It may then be determined that no payment coupon metadata for obtaining one or more fields from the payment coupon is stored in association with the biller. The method may then include requesting a respective set of one or more field indicators representing at least an approximate size or an approximate location for one or more fields within the image. Upon receipt, the field indicators for the fields within the image are stored as the payment coupon metadata in association with the biller.

Systems and methods for capturing and processing payment coupon information

Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the view including a first contact. A request may be received from the user to associate an application with the first contact. A revised view may be transmitted to the user responsive to the received request, the revised view including a user-selectable mechanism for invoking the application on the first contact. The user may be redirected to a user interface of the application subsequent to the user selecting the user-selectable mechanism associated with the contact in the revised view, and the redirection may include transmission of information associated with the user and information associated with the first contact.

Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account are provided. Information associated with a cleared item posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, a payee associated with the cleared item may be identified. A form may be generated for activating, at a service provider, at least one of online payment functionality for payments made to the payee by the service provider on behalf of the consumer or electronic bill presentment of billing information of the payee to the consumer through the service provider. The form may be transmitted to a network entity for presentation to the consumer.

Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account

Methods and systems for servicing requests made from any of multiple user interfaces associated with a user are provided. A request from one of the plurality of user interfaces is received. Information associated with each of the plurality of user interfaces is retrieved, and based upon the retrieved information and the received request, a set of features to be included in a user presentation is selected. The user presentation is then generated based on the selected set of features, and transmitted to the user interface from which the request was received.

System and method to provide interoperable service across multiple clients

A system and method for determining and displaying a payment lead time or expected payment delivery time in an electronic payment system is disclosed. A payee associated with a payor is identified. Prior to receiving a payment request to pay the payee on behalf of the payor, an expected payment delivery time for a payment to fulfill the payment request is determined. The expected payment delivery time is based on at least one payment attribute associated with the payee and at least one payment attribute associated with the payor. An interface screen is then generated for displaying the determined expected payment delivery time.

Methods and systems for the determination and display of payment lead time in an electronic payment system

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 accessing an electronic commerce function (ECF) is provided. A first signal identifying an entity and an ECF associated with the entity is transmitted to a user from a contact list service. The user selects the ECF, causing a second signal indicating the selection to be transmitted to the contact list service. In response to receipt of the second signal, the contact list service transmits a third signal. The third signal identifies a network address associated with an electronic commerce service provider for providing and/or facilitating the ECF. The third signal also identifies information associated with the entity. The third signal, either directly or indirectly, is operable to cause a fourth signal to be transmitted to the user from the service provider. The fourth signal includes information associated with invoking the ECF and is based upon the information associated with the entity included in the third signal.

System using contact list to identify network address for accessing electronic commerce application

A technique for identifying a consumer's electronic billers in which the consumer does not identify billers is provided. The consumer transmits, from a consumer station, a request for a service provider to identify his or her electronic billers. This request includes information identifying the consumer, but excludes any information identifying any biller. In response to the transmitted request, the consumer receives, at the consumer station, a listing of one or more electronic billers of the consumer. That is, these are electronic billers with which the consumer has a relationship. Also, the consumer has not previously requested to the service provider to electronically present bills of any of the electronic billers included in the listing.

Growing community of inventors

Blacklick, OH, United States of America

Donald Kenneth Hobday, Jr