Kenneth L Cook

US Patent:

7107244, Sep 12, 2006

Filed:

Jun 11, 2001

Appl. No.:

09/877192

Inventors:

Peter J. Kight - Alpharetta GA, US
Mark A. Johnson - Dublin OH, US
Tamara K. Christenson - Gahanna OH, US
Regina Lach - Dublin OH, US
Philip Pointer - Columbus OH, US
Kenneth Cook - Gahanna OH, US

Assignee:

CheckFree Corporation - Norcross GA

International Classification:

G06F 17/60

US Classification:

705 40

Abstract:

A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications methods to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers instructions.

US Patent:

7213003, May 1, 2007

Filed:

Mar 31, 2000

Appl. No.:

09/542109

Inventors:

Peter J. Kight - Alpharetta GA, US
Mark A. Johnson - Dublin OH, US
Tamara K. Christenson - Gahanna OH, US
Regina Lach - Dublin OH, US
Philip Pointer - Columbus OH, US
Kenneth Cook - Gahanna OH, US

Assignee:

Checkfree Corporation - Norcross CA

International Classification:

G06Q 30/00

US Classification:

705 40, 705 39, 705 41, 705 42, 705 43, 705 44, 705 45

Abstract:

A system and method for paying bills which uses bank routing numbers. A service provider receives a bank routing number from a consumer, the routing number belonging to the bank at which the consumer maintains a deposit account. The service provider verifies that this received routing number is correct. The verification includes comparing the received routing number to a database of routing numbers which the service provider has obtained from banks.

US Patent:

7240031, Jul 3, 2007

Filed:

Mar 31, 2000

Appl. No.:

09/540011

Inventors:

Peter J. Kight - Alpharetta GA, US
Mark A. Johnson - Dublin OH, US
Tamara K. Christenson - Gahanna OH, US
Regina Lach - Dublin OH, US
Philip Pointer - Columbus OH, US
Kenneth Cook - Gahanna OH, US

Assignee:

CheckFree Corporation - Norcross GA

International Classification:

G06Q 40/00
G06Q 90/00

US Classification:

705 40, 705 38, 705 39, 705 42, 705 70, 705 77

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.

US Patent:

20020065773, May 30, 2002

Filed:

Dec 26, 2001

Appl. No.:

09/999903

Inventors:

Peter Kight - Alpharetta GA, US
Mark Johnson - Dublin OH, US
Tamara Christenson - Gahanna OH, US
Regina Lack - Dublin OH, US
Philip Pointer - Columbus OH, US
Kenneth Cook - Gahanna OH, US

Assignee:

CheckFree Corporation - Norcross GA

International Classification:

G06F017/60

US Classification:

705/040000

Abstract:

A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.

US Patent:

20040083171, Apr 29, 2004

Filed:

Oct 31, 2003

Appl. No.:

10/697288

Inventors:

Peter Kight - Alpharetta GA, US
Mark Johnson - Duluth GA, US
Tamara Christenson - Gahanna OH, US
Regina Lach - Galius OH, US
Philip Pointer - Columbus OH, US
Kenneth Cook - Gahanna OH, US

Assignee:

CHECKFREE CORPORATION - Dublin OH

International Classification:

G06F017/60

US Classification:

705/040000

Abstract:

A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.

US Patent:

20040093305, May 13, 2004

Filed:

Oct 31, 2003

Appl. No.:

10/697114

Inventors:

Peter Kight - Alpharetta GA, US
Mark Johnson - Duluth GA, US
Tamara Christenson - Gahanna OH, US
Regina Lach - Galius OH, US
Philip Pointer - Columbus OH, US
Kenneth Cook - Gahanna OH, US

Assignee:

CHECKFREE CORPORATION - Dublin OH

International Classification:

G06F017/60

US Classification:

705/040000

Abstract:

A computerized payment system by which a consumer may instruct a service provider by telephone, computer terminal, or other telecommunications means to pay various bills without the consumer having to write a check for each bill. The system operates without restriction as to where the consumer banks and what bills are to be paid. The service provider collects consumers' information, financial institutions' information and merchant information and arranges payment based on a financial risk analysis to the merchants according to the consumers' instructions.

US Patent:

47916664, Dec 13, 1988

Filed:

Jun 19, 1987

Appl. No.:

7/065018

Inventors:

Douglas R. Cobb - Dunwoody GA
David K. Glisson - Suwannee GA
Raymond C. Fields - Roswell GA
Kenneth L. Cook - Lawrenceville GA

Assignee:

The Audichron Company - Atlanta GA

International Classification:

H04M 352

US Classification:

379213

Abstract:

A method and apparatus for connecting an electromechanical telephone central office having a step-by-step or cross bar type switching equipment to a remotely located automatic intercept message system. The terminating sleeve leads of a plurality of subscriber telephone numbers are connected to a scanner circuit. The sleeve leads correlate to preassigned telephone numbers and are continuously scanned for seizure. Upon detection of a service request to a disconnected or changed telephone number, the scanner seizes an outgoing trunk to a distant automatic intercept message playback system. When the outgoing trunk has been seized and a connection made to the AIS, a multifrequency spill of the telephone number which has been changed or disconnected is provided to the AIS, which in response provides an appropriate intercept message back over the trunk and is connected to the calling party. The system is microprocessor controlled, and contains a data base associating sleeve numbers with telephone numbers which form the multifrequency spill. The system makes changed number referral automatic and obviates the use of operators for providing operator number identification.