Patent ID: 7225155

Claim:
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.