CA2296602A1 - Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures - Google Patents

Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures Download PDF

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Publication number
CA2296602A1
CA2296602A1 CA002296602A CA2296602A CA2296602A1 CA 2296602 A1 CA2296602 A1 CA 2296602A1 CA 002296602 A CA002296602 A CA 002296602A CA 2296602 A CA2296602 A CA 2296602A CA 2296602 A1 CA2296602 A1 CA 2296602A1
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CA
Canada
Prior art keywords
bill
computer
payment
biller
complete
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
CA002296602A
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French (fr)
Other versions
CA2296602C (en
Inventor
Lev Smorodinsky
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Unisys Corp
Original Assignee
Unisys Corporation
Lev Smorodinsky
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Unisys Corporation, Lev Smorodinsky filed Critical Unisys Corporation
Publication of CA2296602A1 publication Critical patent/CA2296602A1/en
Application granted granted Critical
Publication of CA2296602C publication Critical patent/CA2296602C/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/085—Payment architectures involving remote charge determination or related payment systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/102—Bill distribution or payments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification

Abstract

An electronic bill presentment and payment system (Fig. 1) includes multiple biller computers (10-n), a bill presentment computer (20), and multiple customer computers (30-m). Each biller computer stores complete bills (CBILL) for the customer of a corresponding biller, and the bill presentment computer stores a respective summary (SBILL) of each complete bill along with a hash of that complete bill which is digitally signed by the biller computer Sb(H(CBILL)). Each particular customer computer makes a payment on a selected complete bill by generating a payment message (step S24 of Fig. 4) which includes: a) the hash of the selected complete bill digitally signed by the biller computer; and b) an authorization to pay a specified amount of funds on the selected complete bill, both of which are digitally signed by that particular customer computer Sc[$X,Sb(H(CBILL))]. This payment message is stored in a closing record for use in resolving issues regarding whether or not the bill was changed after payment was authorized, and whether or not an alleged payment on the selected bill was authorized.
CA002296602A 1997-07-22 1998-07-22 Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures Expired - Fee Related CA2296602C (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US08/898,563 1997-07-22
US08/898,563 US6049786A (en) 1997-07-22 1997-07-22 Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures
PCT/US1998/015190 WO1999005628A1 (en) 1997-07-22 1998-07-22 Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures

Publications (2)

Publication Number Publication Date
CA2296602A1 true CA2296602A1 (en) 1999-02-04
CA2296602C CA2296602C (en) 2002-10-22

Family

ID=25409634

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002296602A Expired - Fee Related CA2296602C (en) 1997-07-22 1998-07-22 Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures

Country Status (6)

Country Link
US (1) US6049786A (en)
EP (1) EP0996914B1 (en)
JP (2) JP3455179B2 (en)
CA (1) CA2296602C (en)
DE (1) DE69808769T2 (en)
WO (1) WO1999005628A1 (en)

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Also Published As

Publication number Publication date
DE69808769D1 (en) 2002-11-21
DE69808769T2 (en) 2003-07-24
JP3766823B2 (en) 2006-04-19
US6049786A (en) 2000-04-11
EP0996914B1 (en) 2002-10-16
WO1999005628A1 (en) 1999-02-04
JP2001511567A (en) 2001-08-14
CA2296602C (en) 2002-10-22
EP0996914A1 (en) 2000-05-03
JP3455179B2 (en) 2003-10-14
JP2003331205A (en) 2003-11-21

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