Methods and systems for processing payments globally over one of a plurality of processing paths

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 8620805
APP PUB NO 20130262292A1
SERIAL NO

13431557

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Methods and systems of processing payments globally over one of a plurality of payment processing paths employ computer hardware and software for receiving a request to access a global payment utility, presenting a plurality of payment options by the global payment utility, and receiving information by the global payment utility consisting at least in part of a source of payment, a payment destination, and a user-designated payment vehicle. Upon receiving the information, one of a plurality of payment processing paths for the payment is selected according to a clearing rules aspect of a rules engine of the global payment utility, and the payment is routed for processing via the selected payment processing path.

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Patent Owner(s)

  • CITICORP CREDIT SERVICES, INC. (USA);CITIGROUP CREDIT SERVICES, INC.

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Davis, Darren Sioux Falls, US 12 232
Koch, Tom Sioux Falls, US 5 15
Miller, John D Hagerstown, US 85 3693
Philips, Eric Cincinnati, US 3 14
Sereff, Guy B Franklin, US 3 16
Strub, Robert Cincinnati, US 2 14
Tanguay, Scott Kansas City, US 2 14
Tobias, Stacy Sioux Falls, US 2 14
Vemuri, Vasu Clear Spring, US 2 14
Weiland, Shamus Ponte Vedra Beach, US 2 14
Wesselink, Rochelle Tea, US 2 14
Williams, Caleb Sioux Falls, US 7 15

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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
11.5 Year Payment $7400.00 $3700.00 $1850.00 Jun 30, 2025
Fee Large entity fee small entity fee micro entity fee
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00