US6081790A
Expired / Lapsed
US
⏱️ 0.0 years remaining
System and method for secure presentment and payment over open networks
Assignee: Citibank NA
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Filing: 1998-03-20
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Granted: 2000-06-27
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Expires: 2018-03-20
Abstract
Abstract A system for secure presentment and payment having a first electronic processing device and a second electronic processing device. The first processing device creates a presentment ticket from stored invoice data, and securely transmits the presentment ticket and the invoice data to the second processing device. The second processing device determines which invoices are to be paid and creates a corresponding remittance advice which it securely transmits to said first processing device. The first processing device creates a commercial payment ticket corresponding to the remittance advice and securely transmits it to the second processing device. The second processing device then securely transmits electronic money to the first processing device in an amount corresponding to that specified in the remittance advice.
Inventors
- 👤 Sholom S. Rosen
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-09 17:44
CPC Classifications
G; G06; G06Q; G06Q20/00; G06Q20/08; G06Q20/10; G06Q20/102; G06Q20/30; G06Q20/36; G06Q20/367; G06Q20/38; G06Q20/382; G06Q20/3821; G06Q30/00; G06Q30/04; G06Q40/00; G06Q40/12
Claims Analysis
Total Claims: 32
Claim 1
Independent Claim
153 words
A system for secure presentment and payment, comprising: a merchant electronic processing device having at least one data processor, memory, and cryptographic means; a customer electronic processing device having at least one data processor, memory, and cryptographic means; wherein said merchant electronic processing device creates a presentment ticket from stored invoice data, and securely transmits said presentment ticket and said invoice data to said customer electronic processing device; wherein said customer electronic processing device determines which invoices are to be paid and creates a corresponding remittance advice which it securely transmits to said merchant electronic processing device; wherein said merchant electronic processing device creates a commercial payment ticket corresponding to said remittance advice and securely transmits said commercial payment ticket to said customer electronic processing device; where said customer electronic processing device securely transmits electronic money to said merchant electronic processing device in an amount corresponding to that specified in said remittance advice.
Claim 2
Independent Claim
153 words
A system for secure presentment and payment, comprising: a merchant electronic processing device having at least one data processor, memory, and cryptographic means; a customer electronic processing device having at least one data processor, memory, and cryptographic means; wherein said merchant electronic processing device creates a presentment ticket from stored invoice data, and securely transmits said presentment ticket and said invoice data to said customer electronic processing device; wherein said customer electronic processing device determines which invoices are to be paid and creates a corresponding remittance advice which it securely transmits to said merchant electronic processing device; wherein said merchant electronic processing device creates a commercial payment ticket corresponding to said remittance advice and securely transmits said commercial payment ticket to said customer electronic processing device; where said customer electronic processing device securely transmits electronic money to said merchant electronic processing device in an amount corresponding to that specified in said remittance advice.
Claim 3
Dependent Claim
24 words
The system of claim 1, wherein said invoice data includes at least one current invoice data and/or at least one past due notice data.
Claim 4
Dependent Claim
22 words
The system of claim 2, wherein said invoice data is provided to said merchant electronic processing device by an automated invoicing system.
Claim 5
Dependent Claim
21 words
The system of claim 1, wherein a digital signature is created from said invoice data and included in said presentment ticket.
Claim 6
Dependent Claim
13 words
The system of claim 4, where said digital signature is a group signature.
Claim 7
Dependent Claim
20 words
The system of claim 5, where said customer electronic processing device verifies the received presentment ticket and said digital signature.
Claim 8
Dependent Claim
27 words
The system of claim 1, where said merchant and customer electronic processing devices perform interim log updates after said customer electronic processing device receives said presentment ticket.
Claim 9
Dependent Claim
20 words
The system of claim 7, wherein said interim log updates record transaction data including data derived from said invoice data.
Claim 10
Dependent Claim
19 words
The system of claim 8, wherein said data derived from said invoice data is data in said presentment ticket.
Claim 11
Dependent Claim
33 words
The system of claim 7, where said merchant and customer electronic processing devices perform final log updates after said customer electronic processing device transmits said electronic money to said merchant electronic processing device.
Claim 12
Dependent Claim
33 words
The system of claim 1, wherein said customer processing device initiates a request to an automated accounts payable system to check if any invoice indicated in said invoice data has already been paid.
Claim 13
Dependent Claim
46 words
The system of claim 11, wherein when said accounts payable system identifies remittance data in its database corresponding to an invoice indicated in said invoice data, said corresponding remittance data and its corresponding commercial payment ticket are sent to said merchant electronic processing device for verification.
Claim 14
Dependent Claim
25 words
The system of claim 1, wherein said customer electronic processing device queries a programmed cash management function to determine which invoices are to be paid.
Claim 15
Dependent Claim
36 words
The system of claim 1, wherein said customer transaction device checks for sufficient electronic money to make a full payment and, when sufficient funds are not available, selects a subset of the presented invoices for payment.
Claim 16
Dependent Claim
19 words
The system of claim 14, wherein said selection is based on priorization information from a programmed cash management function.
Claim 17
Dependent Claim
17 words
The system of claim 1, wherein said remittance advice includes data from invoices selected to be paid.
Claim 18
Dependent Claim
21 words
The system of claim 16, wherein said merchant electronic processing device validates said remittance advice by comparisons to said invoice data.
Claim 19
Dependent Claim
19 words
The system of claim 1, wherein said commercial payment ticket includes a digital signature created from said remittance advice.
Claim 20
Dependent Claim
26 words
The system of claim 1, wherein said commercial payment ticket and said remittance advice are sent to an automated accounts payable system as proof of payment.
Claim 21
Dependent Claim
26 words
The system of claim 19, wherein said commercial payment ticket and said remittance advice are sent to an automated accounts receivable system to match outstanding invoices.
Claim 22
Dependent Claim
18 words
The system of claim 20, wherein unpaid invoice data is sent to said accounts payable system for setup.
Claim 23
Dependent Claim
19 words
The system of claim 21, wherein said presentment ticket is sent to said accounts receivable system for presentment verification.
Claim 24
Independent Claim
171 words
A system for secure presentment and payment, comprising: a merchant electronic transaction device including: a first host having at least one processor and memory, and a first trusted agent and first money module having at least one processor and memory; a customer electronic transaction device including: a second host having at least one processor and memory, and a second trusted agent and second money module having at least one processor and memory; wherein said first host sends invoice data to said first trusted agent; wherein said first trusted agent creates a presentment ticket corresponding to said invoice data, and sends said presentment ticket to said second trusted agent; wherein said second trusted agent verifies said presentment ticket, and sends a remittance advice, corresponding to said invoice data, to said first trusted agent; wherein said first trusted agent verifies said remittance advice, creates a commercial payment ticket, and sends said commercial payment ticket to said second trusted agent; and wherein said second money module sends electronic money to said first money module.
Claim 25
Independent Claim
171 words
A system for secure presentment and payment, comprising: a merchant electronic transaction device including: a first host having at least one processor and memory, and a first trusted agent and first money module having at least one processor and memory; a customer electronic transaction device including: a second host having at least one processor and memory, and a second trusted agent and second money module having at least one processor and memory; wherein said first host sends invoice data to said first trusted agent; wherein said first trusted agent creates a presentment ticket corresponding to said invoice data, and sends said presentment ticket to said second trusted agent; wherein said second trusted agent verifies said presentment ticket, and sends a remittance advice, corresponding to said invoice data, to said first trusted agent; wherein said first trusted agent verifies said remittance advice, creates a commercial payment ticket, and sends said commercial payment ticket to said second trusted agent; and wherein said second money module sends electronic money to said first money module.
Claim 26
Dependent Claim
29 words
The system of claim 23, wherein said first and second trusted agents and said first and second money modules are fabricated as separate tamper-proof devices each having a microprocessor.
Claim 27
Dependent Claim
46 words
The system of claim 23, wherein said first trusted agent and said first money module are fabricated as a single tamper-proof device sharing a microprocessor and wherein said second trusted agent and said second money module are fabricated as a single tamper-proof device sharing a microprocessor.
Claim 28
Dependent Claim
24 words
The system of claim 25, wherein said first and second trusted agents and said first and second money modules communicate via cryptographically secure sessions.
Claim 29
Dependent Claim
23 words
The system of claim 23, wherein said second host creates said remittance advice and sends said remittance advice to said second trusted agent.
Claim 30
Independent Claim
104 words
A method for secure presentment, comprising the steps of: a merchant electronic processing device receiving invoice data; said merchant electronic processing device creating a presentment ticket based on said invoice data, and securely sending said presentment ticket to a customer electronic processing device; and said customer electronic processing device verifying the validity of said presentment ticket and determining if any invoice is to be paid; said customer electronic processing device creating a remittance advice based on the result of said determining step, and securely sending said remittance advice to said merchant electronic processing device; and said merchant electronic processing device validating said remittance advice.
Claim 31
Independent Claim
104 words
A method for secure presentment, comprising the steps of: a merchant electronic processing device receiving invoice data; said merchant electronic processing device creating a presentment ticket based on said invoice data, and securely sending said presentment ticket to a customer electronic processing device; and said customer electronic processing device verifying the validity of said presentment ticket and determining if any invoice is to be paid; said customer electronic processing device creating a remittance advice based on the result of said determining step, and securely sending said remittance advice to said merchant electronic processing device; and said merchant electronic processing device validating said remittance advice.
Claim 32
Dependent Claim
43 words
The method of claim 27, further comprising the steps of: said merchant electronic processing device creating and sending a commercial payment ticket to said customer electronic processing device; and said customer electronic processing device sending electronic money to said merchant electronic processing device.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-06-27 | 2003-12-27 | 2004-06-27 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-06-27 | 2007-12-27 | 2008-06-27 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-06-27 | 2011-12-27 | 2012-06-27 | $7700.00 | Window Closed / Lapsed |