WO1999005628A1 - 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 PDFInfo
- Publication number
- WO1999005628A1 WO1999005628A1 PCT/US1998/015190 US9815190W WO9905628A1 WO 1999005628 A1 WO1999005628 A1 WO 1999005628A1 US 9815190 W US9815190 W US 9815190W WO 9905628 A1 WO9905628 A1 WO 9905628A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- computer
- bill
- biller
- hash
- payment
- Prior art date
Links
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
Description
Claims
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
JP2000504535A JP3455179B2 (en) | 1997-07-22 | 1998-07-22 | Electronic invoicing and payment system that prevents fraud by using hashes and digital signatures |
DE69808769T DE69808769T2 (en) | 1997-07-22 | 1998-07-22 | ELECTRONIC SYSTEM FOR SUBMITTING AND PAYING INVOICES WITH FRAUD PREVENTION THROUGH HASH PROCESSES AND DIGITAL SIGNATURES |
CA002296602A CA2296602C (en) | 1997-07-22 | 1998-07-22 | Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures |
EP98935935A EP0996914B1 (en) | 1997-07-22 | 1998-07-22 | Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures |
Applications Claiming Priority (2)
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 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO1999005628A1 true WO1999005628A1 (en) | 1999-02-04 |
Family
ID=25409634
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
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 |
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) |
Cited By (14)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6493685B1 (en) | 1999-02-10 | 2002-12-10 | The Chase Manhattan Bank | Electronic account presentation and response system and method |
EP1463012A2 (en) * | 2003-03-27 | 2004-09-29 | CheckFree Corporation | A reduced communication technique for matching electronic billers and consumers |
US6934691B1 (en) * | 1999-02-09 | 2005-08-23 | Metavante Corporation | System and method for managing mail/bills through a central location |
EP1591934A1 (en) * | 2004-04-30 | 2005-11-02 | CheckFree Corporation | Identifying candidate billers or payees of a payor |
EP1591935A1 (en) * | 2004-04-30 | 2005-11-02 | CheckFree Corporation | Matching consumers with billers having bills available for electronic presentment |
WO2008033065A1 (en) * | 2006-09-15 | 2008-03-20 | Comfact Ab | Method and computer system for ensuring authenticity of an electronic transaction |
US7752095B1 (en) | 1999-06-24 | 2010-07-06 | Siebel Systems, Inc. | Electronic bill presentment and payment |
US7848972B1 (en) | 2000-04-06 | 2010-12-07 | Metavante Corporation | Electronic bill presentment and payment systems and processes |
US8296209B2 (en) | 2000-04-26 | 2012-10-23 | Computer Applications Co., Ltd. | Method for managing buyer transactions and settlements using communication network between computers, and method for relaying information following buyer consumption trends to the buyer |
US8744963B1 (en) | 1999-11-29 | 2014-06-03 | Purple Leaf, Llc | Method for transferring an amount to be paid |
GB2515057A (en) * | 2013-06-12 | 2014-12-17 | Cryptomathic Ltd | System and Method for Obtaining a Digital Signature |
US10282712B2 (en) | 2013-02-07 | 2019-05-07 | Jpmorgan Chase Bank, N.A. | Integrated electronic disbursement and cash flow management system and method |
US10387858B2 (en) | 2013-02-07 | 2019-08-20 | Jpmorgan Chase Bank, N.A. | Integrated electronic cash flow management system and method |
US10515346B2 (en) | 2002-05-08 | 2019-12-24 | Metavante Corporatian | Integrated bill presentment and payment system and method of operating the same |
Families Citing this family (100)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6289322B1 (en) | 1998-03-03 | 2001-09-11 | Checkfree Corporation | Electronic bill processing |
US10361802B1 (en) | 1999-02-01 | 2019-07-23 | Blanding Hovenweep, Llc | Adaptive pattern recognition based control system and method |
US6298335B1 (en) * | 1995-01-06 | 2001-10-02 | Robert Bernstein | Method of controlling payment of debts |
US5974146A (en) * | 1997-07-30 | 1999-10-26 | Huntington Bancshares Incorporated | Real time bank-centric universal payment system |
US6292789B1 (en) * | 1997-08-26 | 2001-09-18 | Citibank, N.A. | Method and system for bill presentment and payment |
US6714979B1 (en) | 1997-09-26 | 2004-03-30 | Worldcom, Inc. | Data warehousing infrastructure for web based reporting tool |
US6377993B1 (en) | 1997-09-26 | 2002-04-23 | Mci Worldcom, Inc. | Integrated proxy interface for web based data management reports |
US7392223B1 (en) | 1998-02-02 | 2008-06-24 | Checkfree Corporation | Electronic billing with updateable electronic bill summary |
US6856974B1 (en) * | 1998-02-02 | 2005-02-15 | Checkfree Corporation | Electronic bill presentment technique with enhanced biller control |
US7236950B2 (en) * | 1998-10-29 | 2007-06-26 | Universal Card Services Corp. | Method and system of combined billing of multiple accounts on a single statement |
EP1049056A3 (en) * | 1999-04-26 | 2001-06-13 | CheckFree Corporation | Electronic bill presentment and/or payment clearinghouse |
BR0011709A (en) * | 1999-06-17 | 2002-03-19 | Mobius Man Systems Inc | System and method for electronic statement, presentation and payment of bill |
US6578015B1 (en) * | 1999-08-31 | 2003-06-10 | Oracle International Corporation | Methods, devices and systems for electronic bill presentment and payment |
US6948063B1 (en) | 1999-12-23 | 2005-09-20 | Checkfree Corporation | Securing electronic transactions over public networks |
US7945491B2 (en) * | 2000-01-12 | 2011-05-17 | Metavante Corporation | Integrated systems for electronic bill presentment and payment |
US20010037295A1 (en) * | 2000-01-31 | 2001-11-01 | Olsen Karl R. | Push model internet bill presentment and payment system and method |
US7181420B2 (en) * | 2000-02-18 | 2007-02-20 | Oracle International Corporation | Methods and systems for online self-service receivables management and automated online receivables dispute resolution |
CA2408599A1 (en) * | 2000-05-09 | 2001-11-15 | Metavante Corporation | Electronic bill presentment and payment system |
WO2001091066A2 (en) * | 2000-05-19 | 2001-11-29 | Jan Swerup | A billing service system and method |
US7269160B1 (en) | 2000-05-26 | 2007-09-11 | Buffalo International, Inc. | Voice over internet call center integration |
US7996310B1 (en) * | 2000-07-19 | 2011-08-09 | Globys, Inc. | Electronic financial management and analysis system and related methods |
US6487540B1 (en) | 2000-07-25 | 2002-11-26 | In2M Corporation | Methods and systems for electronic receipt transmission and management |
US7146338B2 (en) | 2001-06-28 | 2006-12-05 | Checkfree Services Corporation | Inter-network financial service |
US7206768B1 (en) * | 2000-08-14 | 2007-04-17 | Jpmorgan Chase Bank, N.A. | Electronic multiparty accounts receivable and accounts payable system |
US20020083003A1 (en) * | 2000-09-26 | 2002-06-27 | Halliday David C. | Method and apparatus for the accurate metering of software application usage and the reporting of such usage to a remote site on a public network |
JP2002117361A (en) * | 2000-10-06 | 2002-04-19 | Hitachi Ltd | Electronic account settlement method and electronic account settlement system |
US7146332B2 (en) * | 2000-12-01 | 2006-12-05 | Bellsouth Intellectual Property Corporation | Methods and systems for automatic tracking and balancing billing data |
US7181017B1 (en) | 2001-03-23 | 2007-02-20 | David Felsher | System and method for secure three-party communications |
US20020141586A1 (en) * | 2001-03-29 | 2002-10-03 | Aladdin Knowledge Systems Ltd. | Authentication employing the bluetooth communication protocol |
JP2004527051A (en) * | 2001-04-27 | 2004-09-02 | マサチューセッツ・インスティテュート・オブ・テクノロジー | Methods and systems for micropayment transactions |
US20020174064A1 (en) * | 2001-05-17 | 2002-11-21 | Hong Li | System and method for internet cash payment |
US20030043852A1 (en) * | 2001-05-18 | 2003-03-06 | Bijan Tadayon | Method and apparatus for verifying data integrity based on data compression parameters |
US7110525B1 (en) | 2001-06-25 | 2006-09-19 | Toby Heller | Agent training sensitive call routing system |
US7822679B1 (en) | 2001-10-29 | 2010-10-26 | Visa U.S.A. Inc. | Method and system for conducting a commercial transaction between a buyer and a seller |
US7370014B1 (en) | 2001-11-01 | 2008-05-06 | Metavante Corporation | Electronic bill presentment and payment system that obtains user bill information from biller web sites |
US7958049B2 (en) * | 2001-11-01 | 2011-06-07 | Metavante Corporation | System and method for obtaining customer bill information and facilitating bill payment at biller websites |
US7372952B1 (en) | 2002-03-07 | 2008-05-13 | Wai Wu | Telephony control system with intelligent call routing |
TW561770B (en) * | 2002-04-18 | 2003-11-11 | Benq Corp | Method for transforming personalized bills information of a mobile station user with short message service |
WO2003091849A2 (en) | 2002-04-23 | 2003-11-06 | The Clearing House Service Company L.L.C. | Payment identification code system |
US8799157B1 (en) | 2002-05-08 | 2014-08-05 | Metavante Corporation | Business combined bill management system and method |
US7356516B2 (en) * | 2002-06-13 | 2008-04-08 | Visa U.S.A. Inc. | Method and system for facilitating electronic dispute resolution |
US20040002907A1 (en) * | 2002-06-28 | 2004-01-01 | Tosswill Andrew R. | Template for inputting customized processing features in an electronic bill presentment and payment system |
US7526448B2 (en) | 2002-11-01 | 2009-04-28 | Checkfree Corporation | Matching consumers with billers having bills available for electronic presentment |
US8073773B2 (en) * | 2002-11-01 | 2011-12-06 | Checkfree Corporation | Technique for identifying probable billers of a consumer |
US20040133513A1 (en) * | 2002-11-01 | 2004-07-08 | Mccoy Randal | Identity protection technique in matching consumers with electronic billers |
US20040139011A1 (en) * | 2002-11-01 | 2004-07-15 | Kozee Casey W. | Technique for identifying probable payees of a consumer |
US7729996B2 (en) * | 2002-11-01 | 2010-06-01 | Checkfree Corporation | Reuse of an EBP account through alternate authentication |
US9818136B1 (en) | 2003-02-05 | 2017-11-14 | Steven M. Hoffberg | System and method for determining contingent relevance |
US7676034B1 (en) | 2003-03-07 | 2010-03-09 | Wai Wu | Method and system for matching entities in an auction |
US20040210520A1 (en) * | 2003-04-02 | 2004-10-21 | Fitzgerald Daleen R. | Bill payment payee information management system and method |
US20040215560A1 (en) * | 2003-04-25 | 2004-10-28 | Peter Amalraj | Integrated payment system and method |
JP4041430B2 (en) * | 2003-06-12 | 2008-01-30 | 株式会社日立製作所 | Information processing system using base sequence related information |
US8725607B2 (en) | 2004-01-30 | 2014-05-13 | The Clearing House Payments Company LLC | Electronic payment clearing and check image exchange systems and methods |
US7021530B2 (en) * | 2004-02-25 | 2006-04-04 | Payment Data Systems, Inc. | System and method for managing and processing stored-value cards and bill payment therefrom |
US20050283433A1 (en) * | 2004-06-17 | 2005-12-22 | Visa International Service Association | Method and system for providing seller bank receivable discounting services |
US7711639B2 (en) * | 2005-01-12 | 2010-05-04 | Visa International | Pre-funding system and method |
US20060195397A1 (en) * | 2005-02-28 | 2006-08-31 | Checkfree Corporation | Centralized electronic bill presentment |
AU2005332044B2 (en) * | 2005-05-25 | 2012-01-19 | Covidien Lp | System and method for delivering and deploying and occluding device within a vessel |
US8874477B2 (en) | 2005-10-04 | 2014-10-28 | Steven Mark Hoffberg | Multifactorial optimization system and method |
US20100268754A1 (en) | 2006-01-19 | 2010-10-21 | David John Holton | Method and System for Electronic Delivery of Essential Mail Items |
AU2007100419A4 (en) * | 2006-01-19 | 2007-08-16 | David John Holton | Method and system for electronic delivery of essential mail items |
US20070226138A1 (en) * | 2006-03-22 | 2007-09-27 | Adam Koltnow | Systems and methods for subscriber to payee cross pollination |
US8300798B1 (en) | 2006-04-03 | 2012-10-30 | Wai Wu | Intelligent communication routing system and method |
US7702585B2 (en) * | 2006-11-30 | 2010-04-20 | Checkfree Corporation | Methods and systems for the determination and display of payment lead time in an electronic payment system |
US8566247B1 (en) | 2007-02-19 | 2013-10-22 | Robert H. Nagel | System and method for secure communications involving an intermediary |
US20080288376A1 (en) | 2007-04-27 | 2008-11-20 | Cashedge, Inc. | Centralized payment hub method and system |
US9215421B2 (en) | 2008-03-18 | 2015-12-15 | Avaya Inc. | Open cable application platform (OCAP) and set-top box (STB)-based bill notification and payment application |
US20100042539A1 (en) * | 2008-08-18 | 2010-02-18 | Sanjeev Dheer | Money Movement Network Hub System |
US20110213707A1 (en) * | 2010-03-01 | 2011-09-01 | Fiserv, Inc. | Systems and methods for facilitating person-to-person payments |
US20130103653A1 (en) * | 2011-10-20 | 2013-04-25 | Trans Union, Llc | System and method for optimizing the loading of data submissions |
US10395223B2 (en) | 2012-03-07 | 2019-08-27 | Early Warning Services, Llc | System and method for transferring funds |
US11593800B2 (en) | 2012-03-07 | 2023-02-28 | Early Warning Services, Llc | System and method for transferring funds |
US9691056B2 (en) | 2012-03-07 | 2017-06-27 | Clearxchange, Llc | System and method for transferring funds |
US10970688B2 (en) | 2012-03-07 | 2021-04-06 | Early Warning Services, Llc | System and method for transferring funds |
US10395247B2 (en) | 2012-03-07 | 2019-08-27 | Early Warning Services, Llc | Systems and methods for facilitating a secure transaction at a non-financial institution system |
US10318936B2 (en) | 2012-03-07 | 2019-06-11 | Early Warning Services, Llc | System and method for transferring funds |
US9443268B1 (en) | 2013-08-16 | 2016-09-13 | Consumerinfo.Com, Inc. | Bill payment and reporting |
US10325314B1 (en) | 2013-11-15 | 2019-06-18 | Consumerinfo.Com, Inc. | Payment reporting systems |
US11295308B1 (en) | 2014-10-29 | 2022-04-05 | The Clearing House Payments Company, L.L.C. | Secure payment processing |
US10748127B2 (en) | 2015-03-23 | 2020-08-18 | Early Warning Services, Llc | Payment real-time funds availability |
US10832246B2 (en) | 2015-03-23 | 2020-11-10 | Early Warning Services, Llc | Payment real-time funds availability |
US10769606B2 (en) | 2015-03-23 | 2020-09-08 | Early Warning Services, Llc | Payment real-time funds availability |
US10839359B2 (en) | 2015-03-23 | 2020-11-17 | Early Warning Services, Llc | Payment real-time funds availability |
US10878387B2 (en) | 2015-03-23 | 2020-12-29 | Early Warning Services, Llc | Real-time determination of funds availability for checks and ACH items |
US11042882B2 (en) | 2015-07-01 | 2021-06-22 | The Clearing House Payments Company, L.L.C. | Real-time payment system, method, apparatus, and computer program |
US11694168B2 (en) | 2015-07-01 | 2023-07-04 | The Clearing House Payments Company L.L.C. | Real-time payment system, method, apparatus, and computer program |
US10963856B2 (en) | 2015-07-21 | 2021-03-30 | Early Warning Services, Llc | Secure real-time transactions |
US10970695B2 (en) | 2015-07-21 | 2021-04-06 | Early Warning Services, Llc | Secure real-time transactions |
US11151523B2 (en) | 2015-07-21 | 2021-10-19 | Early Warning Services, Llc | Secure transactions with offline device |
US10956888B2 (en) | 2015-07-21 | 2021-03-23 | Early Warning Services, Llc | Secure real-time transactions |
US11037122B2 (en) | 2015-07-21 | 2021-06-15 | Early Warning Services, Llc | Secure real-time transactions |
US11037121B2 (en) | 2015-07-21 | 2021-06-15 | Early Warning Services, Llc | Secure real-time transactions |
US11062290B2 (en) | 2015-07-21 | 2021-07-13 | Early Warning Services, Llc | Secure real-time transactions |
US11386410B2 (en) | 2015-07-21 | 2022-07-12 | Early Warning Services, Llc | Secure transactions with offline device |
US10438175B2 (en) | 2015-07-21 | 2019-10-08 | Early Warning Services, Llc | Secure real-time payment transactions |
US11151522B2 (en) | 2015-07-21 | 2021-10-19 | Early Warning Services, Llc | Secure transactions with offline device |
US11157884B2 (en) | 2015-07-21 | 2021-10-26 | Early Warning Services, Llc | Secure transactions with offline device |
US11144928B2 (en) | 2016-09-19 | 2021-10-12 | Early Warning Services, Llc | Authentication and fraud prevention in provisioning a mobile wallet |
US11436577B2 (en) | 2018-05-03 | 2022-09-06 | The Clearing House Payments Company L.L.C. | Bill pay service with federated directory model support |
US20200074541A1 (en) | 2018-09-05 | 2020-03-05 | Consumerinfo.Com, Inc. | Generation of data structures based on categories of matched data items |
Citations (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5465206A (en) | 1993-11-01 | 1995-11-07 | Visa International | Electronic bill pay system |
EP0745947A2 (en) * | 1995-06-02 | 1996-12-04 | International Business Machines Corporation | Method and system for bill presentation and payment reconciliation |
US5649117A (en) * | 1994-06-03 | 1997-07-15 | Midwest Payment Systems | System and method for paying bills and other obligations including selective payor and payee controls |
WO1998026364A1 (en) * | 1996-12-09 | 1998-06-18 | Sun Microsystems, Inc. | A method and system for electronic bill payment |
Family Cites Families (4)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5283829A (en) * | 1992-10-01 | 1994-02-01 | Bell Communications Research, Inc. | System and method for paying bills electronically |
US5677955A (en) * | 1995-04-07 | 1997-10-14 | Financial Services Technology Consortium | Electronic funds transfer instruments |
US5699528A (en) * | 1995-10-31 | 1997-12-16 | Mastercard International, Inc. | System and method for bill delivery and payment over a communications network |
US5761306A (en) * | 1996-02-22 | 1998-06-02 | Visa International Service Association | Key replacement in a public key cryptosystem |
-
1997
- 1997-07-22 US US08/898,563 patent/US6049786A/en not_active Expired - Lifetime
-
1998
- 1998-07-22 EP EP98935935A patent/EP0996914B1/en not_active Expired - Lifetime
- 1998-07-22 DE DE69808769T patent/DE69808769T2/en not_active Expired - Fee Related
- 1998-07-22 JP JP2000504535A patent/JP3455179B2/en not_active Expired - Fee Related
- 1998-07-22 CA CA002296602A patent/CA2296602C/en not_active Expired - Fee Related
- 1998-07-22 WO PCT/US1998/015190 patent/WO1999005628A1/en active IP Right Grant
-
2003
- 2003-05-14 JP JP2003135840A patent/JP3766823B2/en not_active Expired - Fee Related
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US5465206A (en) | 1993-11-01 | 1995-11-07 | Visa International | Electronic bill pay system |
US5465206B1 (en) | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
US5649117A (en) * | 1994-06-03 | 1997-07-15 | Midwest Payment Systems | System and method for paying bills and other obligations including selective payor and payee controls |
EP0745947A2 (en) * | 1995-06-02 | 1996-12-04 | International Business Machines Corporation | Method and system for bill presentation and payment reconciliation |
WO1998026364A1 (en) * | 1996-12-09 | 1998-06-18 | Sun Microsystems, Inc. | A method and system for electronic bill payment |
Non-Patent Citations (1)
Title |
---|
SIRBU ET AL: "NetBill: An Internet Commerce System Optimized for Network-Delivered Services", IEEE PERSONAL COMMUNICATIONS, vol. 2, no. 4, August 1995 (1995-08-01), pages 34 - 39, XP000517588 * |
Cited By (21)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6934691B1 (en) * | 1999-02-09 | 2005-08-23 | Metavante Corporation | System and method for managing mail/bills through a central location |
US6493685B1 (en) | 1999-02-10 | 2002-12-10 | The Chase Manhattan Bank | Electronic account presentation and response system and method |
US7752095B1 (en) | 1999-06-24 | 2010-07-06 | Siebel Systems, Inc. | Electronic bill presentment and payment |
US8744963B1 (en) | 1999-11-29 | 2014-06-03 | Purple Leaf, Llc | Method for transferring an amount to be paid |
US7848972B1 (en) | 2000-04-06 | 2010-12-07 | Metavante Corporation | Electronic bill presentment and payment systems and processes |
US8688555B2 (en) | 2000-04-26 | 2014-04-01 | Computer Applications Co., Ltd. | Method for managing buyer transactions and settlements using communication network between computers, and method for relaying information following buyer consumption trends to the buyer |
US8296209B2 (en) | 2000-04-26 | 2012-10-23 | Computer Applications Co., Ltd. | Method for managing buyer transactions and settlements using communication network between computers, and method for relaying information following buyer consumption trends to the buyer |
US8407124B2 (en) | 2000-04-26 | 2013-03-26 | Computer Applications Co., Ltd. | Method for managing buyer transactions and settlements using communication network between computers, and method for relaying information following buyer consumption trends to the buyer |
US10515346B2 (en) | 2002-05-08 | 2019-12-24 | Metavante Corporatian | Integrated bill presentment and payment system and method of operating the same |
EP1463012A2 (en) * | 2003-03-27 | 2004-09-29 | CheckFree Corporation | A reduced communication technique for matching electronic billers and consumers |
EP1463012A3 (en) * | 2003-03-27 | 2005-04-13 | CheckFree Corporation | A reduced communication technique for matching electronic billers and consumers |
EP1591935A1 (en) * | 2004-04-30 | 2005-11-02 | CheckFree Corporation | Matching consumers with billers having bills available for electronic presentment |
EP1591934A1 (en) * | 2004-04-30 | 2005-11-02 | CheckFree Corporation | Identifying candidate billers or payees of a payor |
US8549301B2 (en) | 2006-09-15 | 2013-10-01 | Comfact Ab | Method and computer system for ensuring authenticity of an electronic transaction |
WO2008033065A1 (en) * | 2006-09-15 | 2008-03-20 | Comfact Ab | Method and computer system for ensuring authenticity of an electronic transaction |
US10282712B2 (en) | 2013-02-07 | 2019-05-07 | Jpmorgan Chase Bank, N.A. | Integrated electronic disbursement and cash flow management system and method |
US10387858B2 (en) | 2013-02-07 | 2019-08-20 | Jpmorgan Chase Bank, N.A. | Integrated electronic cash flow management system and method |
GB2515057A (en) * | 2013-06-12 | 2014-12-17 | Cryptomathic Ltd | System and Method for Obtaining a Digital Signature |
GB2515057B (en) * | 2013-06-12 | 2016-02-24 | Cryptomathic Ltd | System and Method for Obtaining a Digital Signature |
US9705681B2 (en) | 2013-06-12 | 2017-07-11 | Cryptomathic Ltd. | System and method for encryption |
US9900148B1 (en) | 2013-06-12 | 2018-02-20 | Cryptomathic Ltd. | System and method for encryption |
Also Published As
Publication number | Publication date |
---|---|
EP0996914A1 (en) | 2000-05-03 |
DE69808769T2 (en) | 2003-07-24 |
DE69808769D1 (en) | 2002-11-21 |
JP3766823B2 (en) | 2006-04-19 |
EP0996914B1 (en) | 2002-10-16 |
CA2296602C (en) | 2002-10-22 |
JP2001511567A (en) | 2001-08-14 |
JP3455179B2 (en) | 2003-10-14 |
US6049786A (en) | 2000-04-11 |
JP2003331205A (en) | 2003-11-21 |
CA2296602A1 (en) | 1999-02-04 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US6049786A (en) | Electronic bill presentment and payment system which deters cheating by employing hashes and digital signatures | |
JP3133243B2 (en) | Online shopping system | |
US7627524B2 (en) | System, method, and computer program product for receiving and processing payments | |
AU785092B2 (en) | Push model internet bill presentment and payment system | |
US6195649B1 (en) | Digital active advertising | |
US8352365B1 (en) | System and method for electronic bill presentment using a third party | |
US10320992B2 (en) | System and method for distributing personal identification numbers over a computer network | |
US20130297487A1 (en) | System and Method for Providing a Cash Advance | |
US10205721B2 (en) | System and method for distributing personal identification numbers over a computer network | |
JP6059319B1 (en) | Price payment management system and price payment management method | |
CZ256197A3 (en) | System and process for electronic transfer of financial means by making use of a money automatic machine for delivery of transferred financial means | |
US20080230599A1 (en) | System and method for processing transactions | |
JP2020046803A (en) | Information processing device and program | |
JP4249423B2 (en) | Payment management server, payment management method, and payment management program | |
KR20060009815A (en) | Micropayment processing method and system | |
JP6526293B2 (en) | Electronic currency management device and electronic currency management method | |
AU2017101144A4 (en) | An electronic transaction system using long-lived proxy details for business transaction with a merchant | |
CA2306521A1 (en) | Internet billing and payment system | |
JP2023039484A (en) | Information processor, information processing method, and program | |
JP2001005867A (en) | Electronic online commercial transaction system, method and device for electronic commercial transaction and program recording medium | |
US20080243659A1 (en) | Electric statement previewing system and method | |
JP2005235097A (en) | Transaction processing method |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AK | Designated states |
Kind code of ref document: A1 Designated state(s): CA JP |
|
AL | Designated countries for regional patents |
Kind code of ref document: A1 Designated state(s): AT BE CH CY DE DK ES FI FR GB GR IE IT LU MC NL PT SE |
|
DFPE | Request for preliminary examination filed prior to expiration of 19th month from priority date (pct application filed before 20040101) | ||
121 | Ep: the epo has been informed by wipo that ep was designated in this application | ||
ENP | Entry into the national phase |
Ref document number: 2296602 Country of ref document: CA Ref country code: CA Ref document number: 2296602 Kind code of ref document: A Format of ref document f/p: F |
|
WWE | Wipo information: entry into national phase |
Ref document number: 1998935935 Country of ref document: EP |
|
WWP | Wipo information: published in national office |
Ref document number: 1998935935 Country of ref document: EP |
|
WWG | Wipo information: grant in national office |
Ref document number: 1998935935 Country of ref document: EP |