The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jun. 03, 2008

Filed:

Dec. 01, 2003
Applicants:

Peter J. Kight, Alpharetta, GA (US);

William C. Kitchen, Westerville, OH (US);

Mark A. Johnson, Duluth, GA (US);

Inventors:

Peter J. Kight, Alpharetta, GA (US);

William C. Kitchen, Westerville, OH (US);

Mark A. Johnson, Duluth, GA (US);

Assignee:

CheckFree Corporation, Norcross, GA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 40/00 (2006.01);
U.S. Cl.
CPC ...
Abstract

To electronically present and pay bills, bill information representing a plurality of bills of a plurality of billers for a plurality of payors is transmitted to the plurality of payors. The transmitted bill information includes first information representing a first of the plurality of bills of a first of the plurality of billers for a first of the plurality of payors. A payment instruction from the first payor to pay the first bill, based on the transmitted first information, is received. A risk associated with payment of the first bill is determined and a debit type is selected based upon the determined risk. A payment of the first bill to the first biller is initiated based on the received payment instruction and to the selected debit type.


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