(19) United States
(12) Patent Application Publication (io) Pub. No.: US 2001/0032183 Al
Landry (43) Pub. Date: Oct. 18,2001
08/253,364, filed on Jun. 3, 1994, now Pat. No. 5,649,117.
(75) Inventor: George W. Landry, Piano, TX (US)
WOOD, HERRON & EVANS, L.L.P.
2700 Carew Tower
Cincinnati, OH 45202 (US)
(73) Assignee: Midwest Payment Systems, Inc.
(21) Appl. No.: 09/859,615
(22) Filed: May 16, 2001
Related U.S. Application Data
(62) Division of application No. 09/332,846, filed on Jun. 14, 1999, which is a division of application No. 08/889,606, filed on Jul. 8, 1997, now Pat. No. 5,956,700, which is a division of application No.
(51) Int. CI.7 G06F 17/60
(52) U.S. C I 705/40
A system and methodfor paying bills without requiring interaction with the payors disclosed. The system includes a payor control interface, a communications interface, a bill generator, and a TCF message generator. The bill generator generates bill records from payor and payee information stored within the system for recurring bills. The bill generator may also generate bill records from the payor and payee information and from bill data messages received from payees. The generated bill records are used by the TCF message generator to generate the EFT messages for transferring funds electronically between payors and payees. Payors may alter the payment amount and date for a bill as well as reverse payment of a bill already paid. Payees are also able to alter recurring bill records or may present bill data so that bill records reflecting variable obligation amounts may be generated.