Patent ID: 7788173

Claim:
A computer-implemented method of processing payment information through a bank and disbursement information to a governmental state entity of the United States by an accumulator agency, wherein the accumulator agency, the bank, and the governmental state entity are separate entities, comprising the steps, performed by a processor, of: receiving instructions at the accumulator agency, using a computer processor, from the governmental state entity regarding the processing of payment information; receiving instructions at the accumulator agency, using a computer processor, from the governmental state entity regarding the processing of disbursement information; receiving payment information at the accumulator agency, using a computer processor, from an employer regarding a child support obligation of an employee, the payment information including at least a debit transaction; receiving disbursement information at the accumulator agency, using a computer processor, from the employer regarding the child support obligation of the employee, the disbursement information including at least a disbursement transaction; processing the debit transaction from the payment information by the accumulator agency through the bank, using a computer processor, according to the instructions from the governmental state entity, wherein processing the debit transaction further comprises receiving a payment as the debit transaction by the accumulator agency from the employer, and wherein the payment is from a salary of the employee; and processing the disbursement transaction from the disbursement information by the accumulator agency, using a computer processor, to a disbursement recipient according to the instructions from the governmental state entity, wherein processing the disbursement transaction further comprises establishing a disbursement as the disbursement transaction for the disbursement recipient, and wherein establishing a disbursement as the disbursement transaction further comprises sending the disbursement to the disbursement recipient.