Checkfree Corporation

Other

Checkfree Services Corporation

Moenickheim, Peter

Peter Moenickheim

Cheryl Lynn Ward

Blake Keown

Howard Baulch

Adam Koltnow

Hans Daniel Dreyer

Mary Elizabeth Lawson

Donald Kenneth Hobday, Jr

Randal A McCoy

Casey W Kozee

Paul J Lyda

Teri W Bemis

William D Zielke

John J Frech

William R McMichael, Jr

John Alfred Brothers, Ii

Richard A Stratton

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

Payments on behalf of a plurality of payors to a plurality of payees are facilitated using respective first data associated with each payor and respective second data associated with each of those payees payable by crediting via electronic funds transfer (EFT), such as by ACH transfer. The respective first data associated with each payor includes payee identity information for each payee designated by that payor, and could for example take the form of a payee list for that payor. The respective second data associated with each payee payable by crediting via EFT includes payment information identifying a deposit account of that payee. Information identifying a first of the payees and a deposit account of the first payee is received by a payment service provider. The first payee is not currently one of those payees associated with respective second data, when this information is received. The payment service provider stores a payee identifier for the first payee in association with payment information corresponding to the received information identifying the first payee deposit account as respective second data associated with the first payee. After receipt of the information identifying the first payee and the first payee deposit account, the payment service provider determines that the respective first data associated with a first payor includes payee identity information for the first payee and, based on this determination, stores an indicator indicating that the first payee is payable by crediting via EFT, in association with the payee identity information for the first payee in the respective first data associated with the first payor.

Propagating data to facilitate electronic payments 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

To make a payment to a payee on behalf of a payor, the payment service provider receives, via a network, a first payment request to make a first payment to a payee on behalf of a first payor and a second payment request to make a second payment to the payee on behalf of a second payor. The first request has first identity information identifying the payee and the second request has second identity information identifying the payee. The payment service provider accesses first data associated with the first payor to identify a first unique payee identifier associated with the payee based on the first payee identity information and second data associated with the second payor to identify a different second unique payee identifier associated with the payee based on the second payee identity information. The payment service provider retrieves first electronic payment information for the payee based on the identified first unique payee identifier and different second electronic payment information for the payee based on the identified second unique payee identifier. The payment service provider can then direct a first electronic payment to the payee on behalf of the first payor based upon the retrieved first electronic payment information and a second electronic payment to the payee on behalf of the second payor based upon the retrieved second electronic payment information.

Electronic payments using multiple unique payee identifiers

A technique for confirming an association between a deposit account and an account holder is provided. The technique includes receiving information identifying the deposit account and identifying the account holder. Other information associated with multiple deposit accounts, each maintained at one of multiple financial institutions, is accessed. The received information and the accessed information are then processed to authenticate the association between the account holder and the deposit account.

Technique for account authentication

The present invention relates to a liquid container containing a plurality of enclosed cells formed between at least a first layer and a second layer of polymeric material. Each enclosed cell contains essentially less than about 2 fluid ounces of an aqueous-based solid or liquid. Preferably, each enclosed cell contains less than about 1 fluid ounce of an aqueous-based solid or liquid. In a further aspect, the first layer and second layer of polymeric materials are perforated to allow separation of an individual enclosed cell from the remainder of the plurality of enclosed cells.

Packaging and delivery system for aqueous-based products

Growing community of inventors

Dublin, OH, United States of America

Peter Moenickheim