Patent ID: 8041638

Claim:
A router-based payment method for processing payments related to government entities using debit-based electronic funds transfer without a corresponding Financial Electronic Data Interchange, comprising: providing a router and a plurality of receivers, with the router being in electronic communication with the plurality of receivers each installed at a plurality of state government entities or state government entity banks, and wherein the router is a distinct device from the receivers; assembling payment data, by a user computer, for a plurality of persons in electronic format that includes identities of state government entities each receiving a plurality of payments; transferring, by the user computer, the payment data to the router; parsing the payment data, by the router, according to the state government entities receiving the payments; and transferring, by the router, the parsed data directly to the electronic receivers of the state government entities receiving the payment, wherein the transfer from the router to the receivers is made over a network and not through a bank and not through an Automated Clearing House (ACH) system; parsing and aggregating the data transferred from the router, by each said receiver, to determine a single payment amount required of the user; wherein each said receiver is configured to return an acknowledgment back to the router if the parsed data is acceptable, and to return a rejection back to the router if the parsed data is unacceptable; and originating, by each said receiver at the state government entities or state government entity banks, a single ACH debit against the user or one e-check for the entire payment amount for the plurality of persons, wherein the debit or e-check is conducted without a corresponding Financial Electronic Data Interchange.