Kathryn Kynes Wolfe

US Patent:

6856974, Feb 15, 2005

Filed:

Apr 28, 1999

Appl. No.:

09/301068

Inventors:

Ravi Ganesan - Roswell GA, US
Mark Todd Harris - Alpharetta GA, US
Hans Daniel Dreyer - Gahanna OH, US
Kathryn Randall Wolfe - Westerville OH, US

Assignee:

Checkfree Corporation - Norcross GA

International Classification:

G06F017/60

US Classification:

705 40, 705 39, 705 35

Abstract:

An electronic bill presentment system includes network, a central network station, and a plurality of user and biller network stations. Each of the user stations is associated with a respective one of a plurality of users and is operable to transmit first requests for bills via the network. The central network station receives the transmitted first requests and transmits, responsive thereto, bill availability information via the network. The user stations receive the transmitted bill availability information and are operable to transmit second requests for bills via the network. Each of the biller stations is associated with a respective one of the plurality of billers. The biller stations receive the transmitted second requests and transmit, responsive thereto, the requested bills via the network.

US Patent:

7657484, Feb 2, 2010

Filed:

Aug 22, 2003

Appl. No.:

10/645521

Inventors:

Ravi Ganesan - Norcross GA, US
Mark Todd Harris - Alpharetta GA, US
Hans Daniel Dreyer - Gananna OH, US
Kathryn Randall Wolfe - Westerville OH, US

Assignee:

CheckFree Corporation - Norcross GA

International Classification:

G06Q 40/00

US Classification:

705 40

Abstract:

Bill information is electronically presented to a user via a wide-area communications network. The wide-area communications network has multiple different network sites, including a first network site associated with a first bill information presentment entity, a second network site associated with a first user entity, and a third network site associated with a second bill information presentment entity. First information for authenticating the first user entity is received by the first bill information presentment entity. The first user entity is authenticated to the third network site based on this received first authentication information. First bill information, which represents a first bill of a first biller for the first user entity, is accessed at the third network site based on the authentication of the first user entity to this site. The accessed first bill information is transmitted from the first network site to the second network site, for presentation to the first user entity.

US Patent:

7778901, Aug 17, 2010

Filed:

Feb 17, 2005

Appl. No.:

11/059370

Inventors:

Ravi Ganesan - Roswell GA, US
Mark Todd Harris - Alpharetta GA, US
Hans Daniel Dreyer - Gahanna OH, US
Kathryn Randall Wolfe - Westerville OH, US

Assignee:

CheckFree Corporation - Norcross GA

International Classification:

G06Q 40/10

US Classification:

705 35

Abstract:

To electronically present bills and request payment of presented bills, billing information representing a bill of a biller for a payee, and an associated selectable payment indicator having a first linking function, are received from a first network site associated with a bill presentment entity via a first communications link over a communications network. The received billing information and payment indicator are displayed. An input representing a selection of the displayed payment indicator is received. Based on the receipt of this input, the first linking function is activated to establish a second communications link over the communications network to a second network site, different that the first network site, associated with a bill payment entity, and to transmit a request to pay the represented bill on behalf of the payee to the second network site via the second communications link.

US Patent:

20050137978, Jun 23, 2005

Filed:

Feb 15, 2005

Appl. No.:

11/057233

Inventors:

Ravi Ganesan - Roswell GA, US
Mark Harris - Alpharetta GA, US
Hans Dreyer - Gahanna OH, US
Kathryn Wolfe - Westerville OH, US

Assignee:

CHECKFREE CORPORATION - NORCROSS GA

International Classification:

G06F017/60

US Classification:

705040000, 705034000

Abstract:

A bill is presented and payment of the presented bill is requested over a communications network having a first network site associated with a bill payment entity, a second network site, which is different than the first network site, associated with a user, and a third network site, which is different than the first and the second network sites, associated with a bill presentment entity, which is different than the bill payment entity. A first signal, representing a request of the user for billing information, is transmitted from the second network site to the first network site. Responsive to the transmitted first signal, a second signal representing a bill availability identifier for a bill of a biller for the user, is transmitted from the first network site to the second network site. The bill availability identifier represented by the transmitted second signal is displayed and a first user input representing a selection of the displayed bill availability identifier is received, at the second network site. A third signal, representing a request of the user for the identified bill, is transmitted from the second network site to a third network site responsive to the first user input. Responsive to the transmitted third signal, a fourth signal representing the requested bill and an associated pay bill indicator, is transmitted from the third network site to the second network site. The bill and associated pay bill indicator represented by the transmitted fourth signal are displayed and a second user input representing a selection of the displayed pay bill indicator is received at the second network site. Responsive to the second user input, a fifth signal representing a request of the user that the bill payment entity pay the displayed bill on behalf of the user, is transmitted from the second network site to the first network site.

US Patent:

20060195395, Aug 31, 2006

Filed:

Feb 28, 2005

Appl. No.:

11/066288

Inventors:

Ravi Ganesan - Roswell GA, US
Mark Harris - Alpharetta GA, US
Hans Dreyer - Gahanna OH, US
Kathryn Wolfe - Westerville OH, US

Assignee:

CHECKFREE CORPORATION - NORCROSS

International Classification:

G06Q 40/00

US Classification:

705040000

Abstract:

To facilitate electronic presentment of a bill of a biller for a customer and payment of the presented bill on behalf of the customer via a communications network, a first network site associated with a bill payment entity receives a request for billing information from a second network site associated with a customer via a first communications link over a communications network. In response, a bill availability indicator indicative of an availability of a bill of the biller for the customer and having a first linking function, is presented to the second network site via the first communications link. The presented bill availability indicator is selectable at the second network site to activate the first linking function and thereby establish a second communications link over the communications network to a third network site associated with a bill presentment entity for presentment by the third network site to the second network site of a bill of the biller and an associated pay bill indicator having a second linking function to the first network site. The presented pay bill indicator is selectable at the second network site to activate the second linking function and thereby establish a third communications link over the communications network to the first network site for requesting payment of the presented bill of the biller.

US Patent:

20060195396, Aug 31, 2006

Filed:

Feb 28, 2005

Appl. No.:

11/066293

Inventors:

Ravi Ganesan - Roswell GA, US
Mark Harris - Alpharetta GA, US
Hans Dreyer - Gahanna OH, US
Kathryn Wolfe - Westerville OH, US

Assignee:

CHECKFREE CORPORATION - NORCROSS

International Classification:

G06Q 40/00

US Classification:

705040000

Abstract:

Customer care is provided via a wide area communications network to a user who has previously requested payment of a bill of a biller on the user's behalf by a bill payment service provider. The communications network has multiple different network sites including a first network site associated with a customer care entity, and at least two of (i) a second network site associated with the biller, (ii) a third network site associated with a financial institution which maintains a payment account of the user and (iii) a fourth network site associated with the bill payment service provider. A request of the user for assistance regarding the payment of the bill is received. Based on the received request, at least two of (i) information associated with the bill that is available at the second network site, (ii) information associated with the payment account of the user that is available at the third network site and (iii) information associated with one or both of the bill and payment of the bill that is available at the fourth network site, are accessed from the first network site via the communications network. A response to the received request of the user for assistance it then given, e.g. transmitted via a telephone network or the Internet, based on the information accessed at the at least two network sites.

US Patent:

20060195397, Aug 31, 2006

Filed:

Feb 28, 2005

Appl. No.:

11/066458

Inventors:

Ravi Ganesan - Roswell GA, US
Mark Harris - Alpharetta GA, US
Hans Dreyer - Gahanna OH, US
Kathryn Wolfe - Westerville OH, US

International Classification:

G06Q 40/00

US Classification:

705040000, 705035000

Abstract:

To make bill information available for presentation to a user entity, a first network site receives a request of the user entity for bill information, from a third network site associated with the user entity. In response, bill information representing a bill of a biller entity for the user entity is retrieved from storage at a second network site associated with a bill information provider entity, such as a biller. The retrieved bill information is transmitted, from the first network site to the third network site, for presentation to the user entity at the third network site. The first, the second, and the third network sites are different network sites.

US Patent:

20070121840, May 31, 2007

Filed:

Sep 21, 2006

Appl. No.:

11/534159

Inventors:

Ravi Ganesan - Roswell GA, US
Mark Harris - Alpharetta GA, US
Hans Dreyer - Gahanna OH, US
Kathryn Wolfe - Westerville OH, US

Assignee:

CHECKFREE CORPORATION - Norcross GA

International Classification:

H04M 15/00

US Classification:

379114010

Abstract:

A method and system for storing a notice of the receipt of a payment in a distributed data network is disclosed. A bill payment request is received at a first network station from a second network station. A payment associated with the received bill payment request is then remitted. Then, a notification is received at the first network station from a third network station indicating that the payment has been received.