Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2007-07-03
2007-07-03
Garg, Yogesh C. (Department: 3625)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S038000, C705S039000, C705S042000, C705S070000, C705S077000
Reexamination Certificate
active
09540011
ABSTRACT:
A method and system for paying bills. A service provider receives, via a network, a request to pay a bill on behalf of a consumer. The consumer can request that any merchant be paid. The service provider searches a master database containing names of merchants to determine if the merchant the consumer has requested be paid is included in the database. If the merchant is not included in the database the service provider adds the merchant to the database. The request is processed to generate an instruction to pay the merchant.
REFERENCES:
patent: 3761682 (1973-09-01), Barnes et al.
patent: 3833885 (1974-09-01), Gentile et al.
patent: 3876864 (1975-04-01), Clark et al.
patent: 3949364 (1976-04-01), Clark et al.
patent: 4270042 (1981-05-01), Case
patent: 4321672 (1982-03-01), Braun et al.
patent: 4484328 (1984-11-01), Schlafly
patent: 4642767 (1987-02-01), Lerner
patent: 4649563 (1987-03-01), Riskin
patent: 4734858 (1988-03-01), Schlafly
patent: 4745559 (1988-05-01), Willis et al.
patent: 4758714 (1988-07-01), Carlson et al.
patent: 4791561 (1988-12-01), Huber
patent: 4799156 (1989-01-01), Shavit et al.
patent: 4823264 (1989-04-01), Deming
patent: 4882675 (1989-11-01), Nichtberger et al.
patent: 4926325 (1990-05-01), Benton et al.
patent: 4929818 (1990-05-01), Bradbury et al.
patent: 4947028 (1990-08-01), Gorog
patent: 4948174 (1990-08-01), Thomson et al.
patent: 4960981 (1990-10-01), Benton et al.
patent: 4961139 (1990-10-01), Hong et al.
patent: 4974878 (1990-12-01), Josephson
patent: 5007084 (1991-04-01), Materna et al.
patent: 5025373 (1991-06-01), Keyser, Jr. et al.
patent: 5093787 (1992-03-01), Simmons
patent: 5097115 (1992-03-01), Ogasawara et al.
patent: 5111395 (1992-05-01), Smith et al.
patent: 5121945 (1992-06-01), Thomson et al.
patent: 5220501 (1993-06-01), Lawlor et al.
patent: 5237159 (1993-08-01), Stephens et al.
patent: 5265008 (1993-11-01), Benton et al.
patent: 5283829 (1994-02-01), Anderson
patent: 5303149 (1994-04-01), Janigian
patent: 5326959 (1994-07-01), Perazza
patent: 5336870 (1994-08-01), Hughes et al.
patent: 5383113 (1995-01-01), Kight et al.
patent: 5420405 (1995-05-01), Chasek
patent: 5465206 (1995-11-01), Hilt et al.
patent: 5496991 (1996-03-01), Delfer, III et al.
patent: 5504677 (1996-04-01), Pollin
patent: 5652786 (1997-07-01), Rogers
patent: 5677955 (1997-10-01), Doggett et al.
patent: 5699528 (1997-12-01), Hogan
patent: 5710889 (1998-01-01), Clark et al.
patent: 5727249 (1998-03-01), Pollin
patent: 5794221 (1998-08-01), Egendorf
patent: 5873072 (1999-02-01), Kight et al.
patent: 5884288 (1999-03-01), Chang et al.
patent: 5920847 (1999-07-01), Kolling et al.
patent: 5920848 (1999-07-01), Schutzer et al.
patent: 5956700 (1999-09-01), Landry
patent: 5966698 (1999-10-01), Pollin
patent: 5974146 (1999-10-01), Randle et al.
patent: 5978780 (1999-11-01), Watson
patent: 6029150 (2000-02-01), Kravitz
patent: 6032133 (2000-02-01), Hilt et al.
patent: 6044362 (2000-03-01), Neely
patent: 6098053 (2000-08-01), Slater
patent: 6188994 (2001-02-01), Egendorf
patent: 6311170 (2001-10-01), Embrey
patent: 6317745 (2001-11-01), Thomas et al.
patent: 7107244 (2006-09-01), Kight et al.
patent: 2001/0037295 (2001-11-01), Olsen
patent: 2002/0002537 (2002-01-01), Bastiansen
patent: 2002/0116331 (2002-08-01), Cataline et al.
patent: 2003/0208445 (2003-11-01), Compiano
patent: 2004/0015413 (2004-01-01), Abu-Hejleh et al.
patent: 401195573 (1989-08-01), None
patent: 91/09370 (1999-06-01), None
Blattberg, Robert C.; Deighton, John, “Interactive Marketing: Exploiting the Age of Addressability”, Sloan Management Review, vol. 13, No. 1, Fall 1991, p. 5-14.
Streeter, Bill, “The future is here, and it's on tv”, ABA Banking Journal, Nov. 1980, extracted from Internet from Corporation business source database on Jan. 28, 2003.
White et al.; “4-in-1 Accounting: The basics from Real-World.”; PC Magazine, v4, n20, p. 167-168, extracted on Internet from Dialog file 47, Accession# 02746427 on Dec. 19, 2003.
Merriam-Webster's Collegiate Dictionary, 10thedition; p. 293, word, “database” (1962); and p. 929, word, “processing” (1532).
Malnig, Anita, “Roundup of Financial Software: Home Accountant”, pp. 73-74, II Computing, vol. 1 No. 3, Feb. 1986.
Rue, Sharon Gamble, “Electronic Checkbook”, MacIntosh Buyer's Guide, p. 128/1, May 1985, Abstract from Microsearch AN: 85-028312.
Hines, Tracie Forman, “The Check is in the Modern”; MacUser vol. 1. No. 1 p. 6815; 10185 Abstract from Microsearch AN: 85-028676.
“Myte Myke Business System: Order-Entry Billing”, Product Literatore; Abstract from Microsearch file of Orbit, AN: 87-039522.
“Home Banking: A Case Study”, Robert B. Willemstad pp. 4R 55, Banker's Magazine Nov.-Dec. 1984.
Supplemental Information Disclosure Statement including declaration by Mark Johnson.
White, et al.; “4-in-1 Accounting: The Basics from Real-World,” PC Magazine, vol. 4, No. 20, p. 167-168, extracted on Internet from Dialog file 47, Accession #02746427 on Dec. 19, 2003.
Streeter, Bill, “The Future is Here and It's on TV,” ABA Banking Journal, Nov. 1980, extracted from Internet from Corporate business source database on Jan. 28, 2003.
Press Release, Federal Reserve System Docket No. R-0643 Regulation CC CFR Part 2 29 Availability of Funds and Collection of Checks; American Banker (pre-1997 Fulltext); New York; N.Y. Oct. 27, 1988; vol. 153, Issue. 211; extracted on Internet on Feb. 2, 2005.
Paschal, Jan; “New Edition of Rand McNally Bankers Directory Available”; Journal Record; Oklahoma City; Feb. 11, 1987, extracted on the Internet from http://proquest.umi.com on Jan. 27, 2003.
Huiyong et al., “Harcourt Brace Considers Sale of Some Assets—Chief Says Firm Discussing Potential Transactions; Thomson May Play Role”, Wall Street Journal; New York; Apr. 26, 1990, extracted on the Internet from http://proquest.umi.com on Jan. 27, 2003.
Tripp, Julie, “How to Lend Uncle Sam Your Money” p. B1, The Oregonian; Portland, OR; Oct. 28, 1990), extracted from http://proquest.umi.com Jul. 16, 2002.
Excerpts “Routing Symbol and Transit Number”, p. 109, Chapter 6-The Payment Function by Francis et al,, published by American Bankers Association in 1998, 1997, 1996, 1995, and 1994.
Official Routing Number Registrar—Routing Number Policy formulated jointly by American Bankers Association and the Federal Reserve System in 1976, pp. 1-22.
“ABA Routing numbers”, copy of web pages from www.aba.com.
Gullo, Karen, “Reistad Continues Quest for the ‘Checkless Society’ Series: 8,” American Banker; New York, NY, Jul. 16, 1991, vol. 156, Issue 135.
Anonymous, “Is Video Banking Poised to Take Off (Again)?”, CTS Accounting Software Survey; Jun. 1990, vol. 20, Issue 1.
Tyson, David O., “Princeton Telecom Addresses Problems of On-Line Bill Payment,” American Baker; New York, NY, Aug. 9, 1989.
Unknown, Excerpt from The Bankers Magazine, Jul.-Aug. 1985 p. 54-55.
Press Release, Banks, Credit Unions Join Utilities to Expand Bill Payment Plan; [Sunrise Edition] Omaha World-Herald; Omaha, Nebraska, Aug. 30, 1989, p. 19.
Howard, Bill, “The Best of 1989,” PC Magazine, Jan. 16, 1990 (excerpt).
Dunkin, Amy, “Personal Business: Software Have a PC? Now, You Can Chuck Your Checkbook,” Business Week, Sep. 3, 1990.
Churbuck, David C., “Let your Fingers do the Banking,” Forbes, Aug. 19, 1991.
Shipley, Chris, “CheckFree's Payment System,” PC Computing, Aug. 1, 1991.
Shipley, Chris, “Electronic Bill Paying Just Got a Lot Easier,” PC Computing, May 1, 1991.
Magid, Lawrence, “How to Put PC to Work Paying Bills,” Los Angeles Times, Jul. 25, 1991.
Advertisement “As seen in PC Computing” with purchase order form (1989- Reprinted from PC Magazine, Nov. 14, 1989).
Malnig, Anita, “Roundup of Financial Software: Home Accountant,
Christenson Tamara K.
Cook Kenneth
Johnson Mark A.
Kight Peter J.
Lach Regina
CheckFree Corporation
Garg Yogesh C.
Sutherland & Asbill & Brennan LLP
LandOfFree
Bill payment system and method with a master merchant database does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Bill payment system and method with a master merchant database, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Bill payment system and method with a master merchant database will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-3803824