# US 8,751,382 B2 · Chapter 13 bankruptcy trustee payment system and method > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 8,751,382 B2 - Document ID: US8751382B2 - Status: Granted - Kind: B2 - Application number: 13/686,628 - Filed: 2012-11-27 - Published: 2013-05-30 - Granted: 2014-06-10 - Earliest claimed: 2011-11-30 - Applicants: PMT Network, LLC - Inventors: Joseph M. Shapiro; Melinda D. Middlebrooks; Rudolph A. Moni, Jr. - Web page: https://patentgrep.com/patent/US8751382B2 ## CPC - 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: 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 Exemplary embodiments are directed to a method of paying a trustee, including providing debtor information to a database, initiating at least one electronic fund transfer, transmitting the debtor information to a plurality of networks via a communications network, and delivering a payment to a trustee. The debtor information generally corresponds to a Chapter 13 bankruptcy debtor and the method further includes verifying the debtor information against a public database. The present disclosure is further directed to a system for paying a trustee, including a computer storage device to store debtor information and a processing device to initiate at least one electronic fund transfer, transmit the debtor information to a plurality of networks via a communications network, and deliver a payment to a trustee. ## Claims ### Claim 1 A computer-implemented method for a debtor to pay a trustee, the method comprising: providing, by a processing device, bankruptcy case information relating to the debtor to a database; verifying, by the processing device, the bankruptcy case information provided to the database against a public bankruptcy database to confirm an accuracy of the bankruptcy case information relating to the debtor; upon verification of the bankruptcy case information, providing, by the processing device, debtor bank information relating to the debtor to the database; transmitting, by the processing device, the bankruptcy case information and the debtor bank information to a plurality of networks via a communications network, wherein the plurality of networks include at least one electronic fund transfer vendor; initiating, by the processing device, an electronic fund transfer of debtor funds from the debtor based on the bankruptcy case information and the debtor bank information; delivering a payment of the debtor funds to the trustee; and providing real-time feedback to the debtor, by the processing device, regarding a status of at least one of: the verifying step, the transmitting step, the initiating step, and the delivering step. ### Claim 2 (depends on 1) The method of claim 1, wherein the bankruptcy case information comprises at least one of a bankruptcy case number, a debtor name, and a trustee address, and wherein the debtor bank information comprises at least one of a debtor bank routing number and a debtor bank account number. ### Claim 3 (depends on 1) The method of claim 1, comprising creating, via the processing device, a schedule for delivering the payment to the trustee, wherein the schedule includes at least one of payment amount, a payment occurrence, and a payment reoccurrence. ### Claim 4 (depends on 1) The method of claim 1, wherein the public database is a bankruptcy court database. ### Claim 5 (depends on 1) The method of claim 1, wherein the electronic fund transfer is a one-time electronic fund transfer or a recurring electronic fund transfer. ### Claim 6 (depends on 5) The method of claim 5, wherein the electronic fund transfer is performed via the at least one electronic fund transfer vendor. ### Claim 7 (depends on 5) The method of claim 5, wherein the one-time electronic fund transfer and the recurring electronic fund transfer are automated. ### Claim 8 (depends on 1) The method of claim 1, wherein the bankruptcy case information and the debtor bank information is transmitted, via the processing device, to the plurality of networks in a standardized form. ### Claim 9 (depends on 8) The method of claim 8, wherein the standardized form provides the bankruptcy case information and the debtor bank information to the plurality of networks in an easily accessible and understood form. ### Claim 10 (depends on 1) The method of claim 1, wherein initiating, by the processing device, the electronic fund transfer of the debtor funds from the debtor based on the bankruptcy case information and the debtor bank information comprises withdrawing, by the processing device, the debtor funds from an originating account and depositing the debtor funds in a secure account, wherein the debtor funds are inaccessible to the debtor from the secure account. ### Claim 11 (depends on 9) The method of claim 9, wherein the secure account is a third-party bank account. ### Claim 12 (depends on 10) The method of claim 10, wherein withdrawing, by the processing device, the debtor funds from the originating account and depositing the debtor funds in the secure account, thereby making the debtor funds inaccessible to the debtor from the secure account, transforms the debtor funds from unsecure debtor funds to secure debtor funds. ### Claim 13 (depends on 9) The method of claim 9, comprising transforming the debtor funds deposited in the secure account into a payment form, wherein the payment form is a bankruptcy trustee approved payment form. ### Claim 14 (depends on 1) The method of claim 1, wherein the plurality of networks include at least one of a payment printing vendor and a payment delivery vendor. ### Claim 15 (depends on 1) The method of claim 1, comprising providing real-time feedback, by the processing device, related to at least one action taken by the plurality of networks. ### Claim 16 (depends on 15) The method of claim 15, wherein the real-time feedback is at least one of verification data and deficiency data. ### Claim 17 A computer-implemented system for a debtor to pay a trustee, the system comprising: a computer storage device to store bankruptcy case information and debtor bank information relating to the debtor; and a processing device to (i) verify the bankruptcy case information against a public database to confirm an accuracy of the bankruptcy case information, (ii) transmit the bankruptcy case information and the debtor bank information to a plurality of networks via a communications network, wherein the plurality of networks include at least one electronic fund transfer vendor, (iii) initiate an electronic fund transfer of debtor funds from the debtor based on the bankruptcy case information and the debtor bank information, (iv) deliver a payment of the debtor funds to the trustee, and (v) provide real-time feedback regarding a status of at least one of the verifying step, the transmitting step, the initiating step, and the delivering step. ### Claim 18 (depends on 17) The computer-implemented system of claim 17, comprising a graphical user interface (GUI) for providing the bankruptcy case information and the debtor bank information relating to the debtor to the computer storage device. ### Claim 19 (depends on 17) The computer-implemented system of claim 17, wherein the processing device stores in the computer storage device information related to delivery of the payment of the debtor funds to the trustee for access by the debtor. ### Claim 20 A non transitory computer readable medium storing instructions, wherein execution of the instructions by a processing device causes the processing device to implement a method, comprising: providing, via the processing device, bankruptcy case information relating to a debtor to a database; verifying, via the processing device, the bankruptcy case information provided to the database against a public database to confirm an accuracy of the bankruptcy case information relating to the debtor; upon verification of the bankruptcy case information, providing, via the processing device, debtor bank information relating to the debtor to the database; transmitting, via the processing device, the bankruptcy case information and the debtor bank information to a plurality of networks via a communications network, wherein the plurality of networks include at least one electronic fund transfer vendor; initiating, via the processing device, an electronic fund transfer of debtor funds from the debtor based on the bankruptcy case information and the debtor bank information; delivering a payment of the debtor funds to the trustee; and providing real-time feedback to the debtor, via the processing device, regarding a status of at least one of: the verifying step, the transmitting step, the initiating step, and the delivering step.