# US 2014/0195430 A1 · Apparatus and methods for providing a payment system over a network

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- Number: US 2014/0195430 A1
- Document ID: US20140195430A1
- Status: Published application
- Kind: A1
- Application number: 14/176,176
- Filed: 2014-02-10
- Published: 2014-07-10
- Earliest claimed: 2001-01-12
- Assignees: ASC State & Local Solutions, Inc.
- Applicants: ACS State & Local Solutions, Inc.
- Inventors: John D. POLK; James K. SELWAY; Jeffrey F. KACH
- Web page: https://patentgrep.com/patent/US20140195430A1

## CPC

- G06Q 20/26: Debit schemes, e.g. "pay now"
- G06Q 10/10: Office automation; Time management
- G06Q 10/105: Human resources
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/108: {Remote banking, e.g. home banking}
- G06Q 20/22: Payment schemes or models
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/401: {Transaction verification}
- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Apparatus and methods provide an accumulator that processes electronic payments from an employer to a recipient via a network. The payments processed may be, for example, child support payments collected from an employee by the employer. The employer may submit one transaction made up of payments collected from multiple employees bound for multiple recipients and the accumulator may receive, translate, batch, and deliver the payments to the multiple recipients. The accumulator, employers, and recipients may communicate via a network such as the Internet.

## Claims

### Claim at position 1

-234. (canceled)

### Claim 235

A method for processing a payment over a network at an accumulator storing a plurality of templates for a plurality of intermediaries, comprising:
receiving employee information from a plurality of employers via the network, the employee information corresponding to at least one employee of each employer and including an intermediary identifier;
filtering the employee information using a template based on one intermediary corresponding to the intermediary identifier; and
processing at least one employee debit corresponding to the filtered employee information.

### Claim 236 (depends on 235)

The method of claim 235, further including:
processing a credit corresponding to the employee debit; and
sending the credit to an intermediary represented by the intermediary identifier.

### Claim 237 (depends on 235)

The method of claim 235, further including:
presenting the template matching the intermediary identifier to the employer to direct the contents of the employee information.

### Claim 238 (depends on 235)

The method of claim 235, further including:
verifying the employee information using verification information received from the intermediary associated with the intermediary identifier in the employee information.

### Claim 239 (depends on 235)

The method of claim 235, further including:
presenting a single template to the employer, from which the template matching the intermediary identifier is determined.

### Claim 240 (depends on 238)

The method of claim 238, further including:
processing the employee debit from the employer based on the filtered employee information, when the employee information is verified.

### Claim 241 (depends on 238)

The method of claim 238, further including:
receiving the credit corresponding to the debit, when the employee information is verified.

### Claim 242 (depends on 235)

The method of claim 235, wherein the network is the Internet.

### Claim 243 (depends on 235)

The method of claim 235, wherein the network is an intranet.

### Claim 244 (depends on 235)

The method of claim 235, wherein the network is a wireless network.

### Claim 245 (depends on 235)

The method of claim 235, wherein the network is a wired network.

### Claim 246 (depends on 235)

The method of claim 235, wherein the network is a virtual private network.

### Claim 247 (depends on 235)

The method of claim 235, wherein the employee information relates to a child support payment.

### Claim 248 (depends on 235)

The method of claim 235, wherein the debit is processed using debit-based electronic funds transfer.

### Claim 249 (depends on 235)

The method of claim 235, wherein the credit is processed using addendum-based electronic data interchange.

### Claim 250

A system for processing a payment over a network at an accumulator storing a plurality of templates for a plurality of intermediaries, comprising:
a first receiving component configured to receive employee information from a plurality of employers via the network, the employee information corresponding to at least one employee of each employer and including an intermediary identifier;
a filtering component configured to filter the employee information using a template based on one intermediary corresponding to the intermediary identifier, and
a first processing component configured to process at least one employee debit corresponding to the filtered employee information.

### Claim 251 (depends on 250)

The system of claim 250, further including:
a second processing component configured to process a credit corresponding to the employee debit; and
a sending component configured to send the credit to an intermediary represented by the intermediary identifier.

### Claim 252 (depends on 250)

The system of claim 250, further including:
a first presenting component configured to present the template matching the intermediary identifier to the employer to direct the contents of the employee information.

### Claim 253 (depends on 250)

The system of claim 250, further including:
a verifying component configured to verify the employee information using verification information received from the intermediary associated with the intermediary identifier in the employee information.

### Claim 254 (depends on 250)

The system of claim 250, further including:
a second presenting component configured to present a single template to the employer, from which the template matching the intermediary identifier is determined.

### Claim 255 (depends on 253)

The system of claim 253, further including:
a second processing component configured to process the employee debit from the employer based on the filtered employee information, when the employee information is verified.

### Claim 256 (depends on 253)

The system of claim 253, further including:
a second receiving component configured to receive the credit corresponding to the debit, when the employee information is verified.

### Claim 257 (depends on 250)

The system of claim 250, wherein the network is the Internet.

### Claim 258 (depends on 250)

The system of claim 250, wherein the network is an intranet.

### Claim 259 (depends on 250)

The system of claim 250, wherein the network is a wireless network.

### Claim 260 (depends on 250)

The system of claim 250, wherein the network is a wired network.

### Claim 261 (depends on 250)

The system of claim 250, wherein the network is a virtual private network.

### Claim 262 (depends on 250)

The system of claim 250, wherein the employee information relates to a child support payment.

### Claim 263 (depends on 250)

The system of claim 250, wherein the debit is processed using debit-based electronic funds transfer.

### Claim 264 (depends on 250)

The system of claim 250, wherein the credit is processed using addendum-based electronic data interchange.

### Claim 265

A computer readable medium having computer readable code embodied therein for processing a payment over a network at an accumulator storing a plurality of templates for a plurality of intermediaries, the computer readable code comprising:
a receiving module configured to receive employee information from a plurality of employers via the network, the employee information corresponding to at least one employee of each employer and including an intermediary identifier;
a filtering module configured to filter the employee information using a template based on one intermediary corresponding to the intermediary identifier; and
a processing module configured to process at least one employee debit corresponding to the filtered employee information.

### Claim 266

A system for processing a payment over a network at an accumulator storing a plurality of templates for a plurality of intermediaries, comprising:
means for receiving employee information from a plurality of employers via the network, the employee information corresponding to at least one employee of each employer and including an intermediary identifier;
means for filtering the employee information using a template based on one intermediary corresponding to the intermediary identifier; and
means for processing at least one employee debit corresponding to the filtered employee information.