Patent ID: 8527408
Filing Date: 2013-09-03
Classification: G06Q

Abstract:
1. A payment system for making payments from each payer of a community of payers to each vendor of a community of vendors in response to each payer submitting a payment instruction file comprising a group of unique payment records, each payment record comprising: i) the system ID of a disbursing payer, the disbursing payer being a payer within the sub group of payers associated with the originating bank; ii) the system ID of a selected vendor, the selected vendor being a vendor within the community of vendors to which the disbursing payer is issuing a payment; and iii) identification of the amount of the payment, the payment system comprising: a non-transitory computer readable medium and a processor coupled to the non-transitory computer readable medium; a vendor database encoded to the non-transitory computer readable medium, the vendor database comprising a unique vendor record for each vendor of the community of vendors, each vendor record comprising: i) identification of a distinct one of the vendors; ii) a unique system ID assigned to the vendor; and iii) a vendor remittance account identifier, the vendor remittance account identifier comprising a routing number and account number of a bank account to which payments to the vendor are transferred; an events parameters database encoded to the non-transitory computer readable medium, the events parameter database comprising, for each payer, a unique record, the record including: i) a unique login ID identifying an unattended interface module installed on a workstation coupled to a local area network controlled by the payer, ii) identification of a file name used by the payer for each payment instruction file generated by the payer; and iii) a directory path identifying a directory on the local area network controlled by the payer; a web services server comprising a non-transitory computer readable medium, a processor coupled to the non-transitory computer readable medium, and a transfer server coded to the non-transitory computer readable medium and comprising steps executed by the processor in response to receipt of each web services call from each payer's unattended interface module, the steps comprising: in response to a first web services call from a payer's unattended interface module, the first web services call including a login ID identifying the unattended interface module: in response to a second web services call from the payer's unattended interface module, the second web services call comprising the payment instruction file with the file name, as obtained by the unattended interface module from the location on the local area network identified by the directory path: in response to a third web services call from the payees unattended interface module, the third web services call comprising the binary object ID and instructions to make the binary object available to a payment server: the payment server comprising a non-transitory computer readable medium, a processor coupled to the non-transitory computer readable medium, and a payment application coded to the non-transitory computer readable medium and comprising steps executed by the processor, the steps comprising: