CA2300023A1 - Automated bill payment system - Google Patents

Automated bill payment system Download PDF

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Publication number
CA2300023A1
CA2300023A1 CA 2300023 CA2300023A CA2300023A1 CA 2300023 A1 CA2300023 A1 CA 2300023A1 CA 2300023 CA2300023 CA 2300023 CA 2300023 A CA2300023 A CA 2300023A CA 2300023 A1 CA2300023 A1 CA 2300023A1
Authority
CA
Canada
Prior art keywords
client
bill
biller
web site
bill payment
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
CA 2300023
Other languages
French (fr)
Other versions
CA2300023C (en
Inventor
Raymond Senez
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.)
TelPay Inc
Original Assignee
CTI-COMTEL Inc
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 CTI-COMTEL Inc filed Critical CTI-COMTEL Inc
Priority to CA002300023A priority Critical patent/CA2300023C/en
Publication of CA2300023A1 publication Critical patent/CA2300023A1/en
Application granted granted Critical
Publication of CA2300023C publication Critical patent/CA2300023C/en
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

Classifications

    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/10—Network architectures or network communication protocols for network security for controlling access to devices or network resources
    • 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
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L2463/00—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00
    • H04L2463/102—Additional details relating to network architectures or network communication protocols for network security covered by H04L63/00 applying security measure for e-commerce
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L63/00—Network architectures or network communication protocols for network security
    • H04L63/16—Implementing security features at a particular protocol layer
    • H04L63/166—Implementing security features at a particular protocol layer at the transport layer

Abstract

The present invention provides a fully automated and secure bill payment system which is extremely simple for clients to operate. A processing web site is established which interconnects via the Internet to a plurality of financial institutions, billers and clients. Each biller has an established web site into which a client of the biller can enter and view a bill image using a personal computer or similar device connected to the Internet. The bill image is actually part of a HTML form which contains hidden identifying information of the biller. To facilitate payment, the client selects a bill payment icon presented graphically within the body of the bill image. This action initiates a sequence of events, including the forwarding of the HTML form to the processing web site, a confirmation message being sent to the client, confirmation by the client, and the debiting and crediting of client and biller accounts respectively. Instead of requiring the client to log into the biller's web site, the bill can also be presented to the client by way of an e-mail message. Similar to the previous scenario, bill payment is accomplished by the client selecting a bill payment icon.
CA002300023A 2000-02-25 2000-02-25 Automated bill payment system Expired - Lifetime CA2300023C (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
CA002300023A CA2300023C (en) 2000-02-25 2000-02-25 Automated bill payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
CA002300023A CA2300023C (en) 2000-02-25 2000-02-25 Automated bill payment system

Publications (2)

Publication Number Publication Date
CA2300023A1 true CA2300023A1 (en) 2001-08-25
CA2300023C CA2300023C (en) 2003-08-05

Family

ID=4165452

Family Applications (1)

Application Number Title Priority Date Filing Date
CA002300023A Expired - Lifetime CA2300023C (en) 2000-02-25 2000-02-25 Automated bill payment system

Country Status (1)

Country Link
CA (1) CA2300023C (en)

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2007079550A1 (en) * 2006-01-19 2007-07-19 David John Holton Method and system for electronic delivery of essential mail items
US7917434B2 (en) 2002-08-13 2011-03-29 International Business Machines Corporation Method for planning commercial financing payment

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7917434B2 (en) 2002-08-13 2011-03-29 International Business Machines Corporation Method for planning commercial financing payment
WO2007079550A1 (en) * 2006-01-19 2007-07-19 David John Holton Method and system for electronic delivery of essential mail items
US8700721B2 (en) 2006-01-19 2014-04-15 David John Holton Method and system for electronic delivery of essential mail items

Also Published As

Publication number Publication date
CA2300023C (en) 2003-08-05

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Legal Events

Date Code Title Description
EEER Examination request
MKEX Expiry

Effective date: 20200225

MKEX Expiry

Effective date: 20200225