Method and apparatus for payment processing using debit-based electronic funds transfer and disbursement processing using addendum-based electronic data interchange

Claim 1

A method by an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: receiving the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein receiving further comprises: receiving an employer registration with the accumulator agency; obtaining from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the obligation is a child support obligation, the employee is a noncustodial parent, and the recipient is a custodial parent, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, a withholding amount, a case number, a state disbursement unit's name, and a FIPS code; establishing a payment as the debit transaction based on the payment information, wherein payment establishing further comprises: setting a payment date for the payment; validating the payment; and authorizing the payment; and establishing a disbursement as the disbursement transaction based on the disbursement information, wherein disbursement establishing further comprises: setting a disbursement date for the disbursement; validating the disbursement; and authorizing the disbursement; and transmitting the payment information from the accumulator agency to the bank via an automated clearing house by the payment date; and transmitting the disbursement information from the accumulator agency to a state disbursement unit by the disbursement date.

Claim 2

A method by an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: receiving the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein receiving further comprises: receiving an employer registration with the accumulator agency; obtaining from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the obligation is a child support obligation, the employee is a noncustodial parent, and the recipient is a custodial parent, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, a withholding amount, a case number, a state disbursement unit's name, and a FIPS code; establishing a payment as the debit transaction based on the payment information, wherein payment establishing further comprises: setting a payment date for the payment; validating the payment; and authorizing the payment; and establishing a disbursement as the disbursement transaction based on the disbursement information, wherein disbursement establishing further comprises: setting a disbursement date for the disbursement; validating the disbursement; and authorizing the disbursement; and transmitting the payment information from the accumulator agency to the bank via an automated clearing house by the payment date; and transmitting the disbursement information from the accumulator agency to a state disbursement unit by the disbursement date.

Claim 11

A system at an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: a receiving component configured to receive the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein the receiving component further comprises: a registration receiving component configured to receive an employer registration with the accumulator agency; an obtaining component configured to obtain from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the obligation is a child support obligation, the employee is a noncustodial parent, and the recipient is a custodial parent, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, a withholding amount, a case number, a state disbursement unit's name, and a FIPS code; an establishing a payment component configured to establish a payment as the debit transaction based on the payment information, wherein the establishing a payment component further comprises: a payment setting component configured to set a payment date for the payment; a payment validating component configured to validate the payment; and a payment authorizing component configured to authorize the payment; and an establishing a disbursement component configured to establish a disbursement as the disbursement transaction based on the disbursement information, wherein the establishing a disbursement component further comprises: a disbursement setting component configured to set a disbursement date for the disbursement; a disbursement validating component configured to validate the disbursement; and a disbursement authorizing component configured to authorize the disbursement; and a transmitting the payment information component configured to transmit the payment information from the accumulator agency to the bank via an automated clearing house by the payment date; and a transmitting the disbursement information component configured to transmit the disbursement information from the accumulator agency to a state disbursement unit by the disbursement date.

Claim 12

A system at an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: a receiving component configured to receive the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein the receiving component further comprises: a registration receiving component configured to receive an employer registration with the accumulator agency; an obtaining component configured to obtain from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the obligation is a child support obligation, the employee is a noncustodial parent, and the recipient is a custodial parent, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, a withholding amount, a case number, a state disbursement unit's name, and a FIPS code; an establishing a payment component configured to establish a payment as the debit transaction based on the payment information, wherein the establishing a payment component further comprises: a payment setting component configured to set a payment date for the payment; a payment validating component configured to validate the payment; and a payment authorizing component configured to authorize the payment; and an establishing a disbursement component configured to establish a disbursement as the disbursement transaction based on the disbursement information, wherein the establishing a disbursement component further comprises: a disbursement setting component configured to set a disbursement date for the disbursement; a disbursement validating component configured to validate the disbursement; and a disbursement authorizing component configured to authorize the disbursement; and a transmitting the payment information component configured to transmit the payment information from the accumulator agency to the bank via an automated clearing house by the payment date; and a transmitting the disbursement information component configured to transmit the disbursement information from the accumulator agency to a state disbursement unit by the disbursement date.

Claim 23

A system at an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: receiving means for receiving the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein receiving further comprises: receiving means for receiving an employer registration with the accumulator agency; obtaining means for obtaining from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the obligation is a child support obligation, the employee is a noncustodial parent, and the recipient is a custodial parent, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, a withholding amount, a case number, a state disbursement unit's name, and a FIPS code; establishing means for establishing a payment as the debit transaction based on the payment information, wherein payment establishing further comprises: setting means for setting a payment date for the payment; validating means for validating the payment; and authorizing means for authorizing the payment; and establishing means for establishing a disbursement as the disbursement transaction based on the disbursement information, wherein disbursement establishing further comprises: setting means for setting a disbursement date for the disbursement; validating means for validating the disbursement; and authorizing means for authorizing the disbursement; and transmitting means for transmitting the payment information from the accumulator agency to a bank via an automated clearing house by the payment date; and transmitting means for transmitting the disbursement information from the accumulator agency to a state disbursement unit by the disbursement date.

Claim 24

A system at an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: receiving means for receiving the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein receiving further comprises: receiving means for receiving an employer registration with the accumulator agency; obtaining means for obtaining from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the obligation is a child support obligation, the employee is a noncustodial parent, and the recipient is a custodial parent, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, a withholding amount, a case number, a state disbursement unit's name, and a FIPS code; establishing means for establishing a payment as the debit transaction based on the payment information, wherein payment establishing further comprises: setting means for setting a payment date for the payment; validating means for validating the payment; and authorizing means for authorizing the payment; and establishing means for establishing a disbursement as the disbursement transaction based on the disbursement information, wherein disbursement establishing further comprises: setting means for setting a disbursement date for the disbursement; validating means for validating the disbursement; and authorizing means for authorizing the disbursement; and transmitting means for transmitting the payment information from the accumulator agency to a bank via an automated clearing house by the payment date; and transmitting means for transmitting the disbursement information from the accumulator agency to a state disbursement unit by the disbursement date.

Claim 25

A method by an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: receiving the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein receiving further comprises: receiving an employer registration with the accumulator agency; obtaining from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, and a withholding amount; establishing a payment as the debit transaction based on the payment information, wherein establishing a payment further comprises authorizing the payment; and establishing a disbursement as the disbursement transaction based on the disbursement information, wherein establishing a disbursement further comprises authorizing the disbursement; transmitting the payment information from the accumulator agency to the bank via an automated clearing house; and transmitting the disbursement information from the accumulator agency to the state.

Claim 26

A method by an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: receiving the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein receiving further comprises: receiving an employer registration with the accumulator agency; obtaining from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, and a withholding amount; establishing a payment as the debit transaction based on the payment information, wherein establishing a payment further comprises authorizing the payment; and establishing a disbursement as the disbursement transaction based on the disbursement information, wherein establishing a disbursement further comprises authorizing the disbursement; transmitting the payment information from the accumulator agency to the bank via an automated clearing house; and transmitting the disbursement information from the accumulator agency to the state.

Claim 42

A system at an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: a receiving component configured to receive the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein the receiving component further comprises: a registration receiving component configured to receive an employer registration with the accumulator agency; an obtaining component configured to obtain from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, and a withholding amount; an establishing a payment component configured to establish a payment as the debit transaction based on the payment information, wherein the payment establishing component further comprises authorizing the payment; and an establishing a disbursement component configured to establish a disbursement as the disbursement transaction based on the disbursement information, wherein the disbursement establishing component further comprises authorizing the disbursement; a transmitting the payment component configured to transmit the payment information from the accumulator agency to the bank via an automated clearing house; and a transmitting the disbursement component configured to transmit the disbursement information from the accumulator agency to the state.

Claim 43

A system at an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: a receiving component configured to receive the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein the receiving component further comprises: a registration receiving component configured to receive an employer registration with the accumulator agency; an obtaining component configured to obtain from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, and a withholding amount; an establishing a payment component configured to establish a payment as the debit transaction based on the payment information, wherein the payment establishing component further comprises authorizing the payment; and an establishing a disbursement component configured to establish a disbursement as the disbursement transaction based on the disbursement information, wherein the disbursement establishing component further comprises authorizing the disbursement; a transmitting the payment component configured to transmit the payment information from the accumulator agency to the bank via an automated clearing house; and a transmitting the disbursement component configured to transmit the disbursement information from the accumulator agency to the state.

Claim 61

A system at an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: receiving means for receiving the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein the receiving means further comprises: receiving means for receiving an employer registration with the accumulator agency; obtaining means for obtaining from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, and a withholding amount; establishing means for establishing a payment as the debit transaction based on the payment information, wherein payment establishing further comprises authorizing the payment; and establishing means for establishing a disbursement as the disbursement transaction based on the disbursement information, wherein disbursement establishing further comprises authorizing the disbursement; transmitting means for transmitting the payment information from the accumulator agency to the bank via an automated clearing house; and transmitting means for transmitting the disbursement information from the accumulator agency to the state.

Claim 62

A system at an accumulator agency of processing payment information through a bank and disbursement information to a governmental state entity of the United States, wherein the accumulator agency, the bank, and the state are separate entities, comprising: receiving means for receiving the payment information and disbursement information at the accumulator agency, the payment information including at least a debit transaction and the disbursement information including at least a disbursement transaction, wherein the receiving means further comprises: receiving means for receiving an employer registration with the accumulator agency; obtaining means for obtaining from an employer payment and disbursement information that pertain to an obligation owed by an employee to a recipient, wherein the payment and disbursement information further comprise at least an employer's name, an employer's federal identification number, and banking information about the employer, and wherein the payment and disbursement information still further comprise at least an employee's name, an employee's social security number, and a withholding amount; establishing means for establishing a payment as the debit transaction based on the payment information, wherein payment establishing further comprises authorizing the payment; and establishing means for establishing a disbursement as the disbursement transaction based on the disbursement information, wherein disbursement establishing further comprises authorizing the disbursement; transmitting means for transmitting the payment information from the accumulator agency to the bank via an automated clearing house; and transmitting means for transmitting the disbursement information from the accumulator agency to the state.