Richard B Stratton

US Patent:

7526448, Apr 28, 2009

Filed:

Nov 1, 2002

Appl. No.:

10/285706

Inventors:

William D. Zielke - Suwanee GA, US
John J Frech - Alpharetta GA, US
Teri W. Bemis - Marietta GA, US
Randal A. McCoy - Suwanee GA, US
Peter Moenickheim - Dublin OH, US
Cheryl L. Ward - Hilliard OH, US
Richard A. Stratton - Westerville OH, US
Casey W. Kozee - Lawrenceville GA, US

Assignee:

CheckFree Corporation - Norcross GA

International Classification:

G06Q 40/00

US Classification:

705 40

Abstract:

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.

US Patent:

20080133407, Jun 5, 2008

Filed:

May 2, 2007

Appl. No.:

11/743390

Inventors:

Lawrence Otice Guillory - Suwanee GA, US
Mary Catherine Herbeck - Columbus OH, US
Donald Kenneth Hobday - Blacklick OH, US
Geiger Ferrell Lee - Gahanna OH, US
William E. Rasche - Dublin OH, US
Todd Nathaniel Roberts - Granville OH, US
Richard A. Stratton - Westerville OH, US
Cheryl L. Ward - Hilliard OH, US

Assignee:

CheckFree Corporation - Norcross GA

International Classification:

G06Q 30/00

US Classification:

705 40

Abstract:

A system and method for determining and displaying payment options in an electronic payment system is disclosed. A payee for a payor is identified. Prior to receiving a payment request to submit a payment to the payee on behalf of the payor, at least one funding method is identified from a list of potential funding methods. The at least one funding method is a funding method that is available to the payor for the payment to the payee, and the identification of the at least one funding method is based at least in part on at least one risk-based criteria. An interface screen is then generated for displaying at least one option to pay the payee, wherein the at least one option is associated with the at least one funding method.

Address:

16 Marshall St, North Reading, MA 01864

Phone:

9786646202

VIN:

4S4BRBJC6C3297969

Make:

SUBARU

Model:

OUTBACK

Year:

2012