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US 2014/0236825 A1Published application
Apparatus and methods for providing a payment system over a network
AssigneeACS State & Local Solutions, Inc.
InventorsJohn D. POLK, James K. SELWAY, Jeffrey F. KACH
Life of this patent
Estimating the term…
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.
Claims48
1-102. (canceled)
A method for processing a payment at an accumulator over a network, comprising:
- receiving employer information to register an employer for submitting at least one payment over the network;
- storing the employer information in a database;
- receiving data about a bank account of the employer via the network;
- storing the data about the bank account of the employer in the database;
- receiving data about a user representing the employer via the network;
- storing the data about the user representing the employer in the database;
- receiving payment profile information relating to at least one employee of the employer via the network;
- storing the payment profile information in the database;
- receiving payment information relating to an employee from the employer via the network, the payment information specifying a date for processing a payment based on the payment information;
- verifying the payment information using verification information received from an intermediary;
- and
- when the payment information is verified, processing the payment based on the payment information.
9 more elements
A system for processing a payment at an accumulator over a network, comprising:
- a first receiving component configured to receive employer information to register an employer for submitting at least one payment over the network;
- a first storing component configured to store the employer information in a database;
- a second receiving component configured to receive data about a bank account of the employer via the network;
- a second storing component configured to store the data about the bank account of the employer in the database;
- a third receiving component configured to receive data about a user representing the employer via the network;
- a third storing component configured to store the data about the user representing the employer in the database;
- a fourth receiving component configured to receive payment profile information relating to at least one employee of the employer via the network;
- a fourth storing component configured to store the payment profile information in the database;
- a fifth receiving component configured to receive payment information relating to an employee from the employer via the network, the payment information specifying a date for processing a payment based on the payment information;
- a verification component configured to verify the payment information using verification information received from an intermediary;
- and
- a processing component configured to, when the payment information is verified by the verification component, process the payment based on the payment information.
9 more elements
A computer readable medium having computer readable code embodied therein for processing a payment at an accumulator over a network, the computer readable code comprising:
- a first receiving module configured to receive employer information to register an employer for submitting at least one payment over the network;
- a first storing module configured to store the employer information in a database;
- a second receiving module configured to receive data about a bank account of the employer via the network;
- a second storing module configured to store the data about the bank account of the employer in the database;
- a third receiving module configured to receive data about a user representing the employer via the network;
- a third storing module configured to store the data about the user representing the employer in the database;
- a fourth receiving module configured to receive payment profile information relating to at least one employee of the employer via the network;
- a fourth storing module configured to store the payment profile information in the database;
- a fifth receiving module configured to receive payment information relating to an employee from the employer via the network, the payment information specifying a date for processing a payment based on the payment information;
- a verification module configured to verify the payment information using verification information received from an intermediary;
- and
- a processing module configured to, when the payment information is verified by the verification module, process the payment based on the payment information.
9 more elements
A system for processing a payment at an accumulator over a network, comprising:
- means for receiving employer information to register an employer for submitting at least one payment over the network;
- means for storing the employer information in a database;
- means for receiving data about a bank account of the employer via the network;
- means for storing the data about the bank account of the employer in the database;
- means for receiving data about a user representing the employer via the network;
- means for storing the data about the user representing the employer in the database;
- means for receiving payment profile information relating to at least one employee of the employer via the network;
- means for storing the payment profile information in the database;
- means for receiving payment information relating to an employee from the employer via the network, the payment information specifying a date for processing a payment based on the payment information;
- means for verifying the payment information using verification information received from an intermediary;
- and
- means for processing the payment based on the payment information when the payment information is verified.
9 more elements
149-266. (canceled)
Dependencies are inferred from the claim text.