Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2001-05-09
2010-06-08
Oyebisi, Ojo O (Department: 3696)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S039000
Reexamination Certificate
active
07734543
ABSTRACT:
A switching system for the electronic presentment and payment of bills between a Consumer and a Biller. The system includes an open, interoperable switching network for routing bill summary information between a Biller and a Consumer. Bill summary files are generated by a Bill Service Provider. Consumer Service Providers poll the Bill Service Providers through the switching network for newly generated bill summary files. The bill summary files are routed through the switching network to the appropriate Consumer Service Provider. Customers of the Consumer Service Provider log on to the web site of the Consumer Service Provider to access bill summary data. In addition to viewing the bill summary files electronically, the Consumer can initiate electronic payment of previously presented bills or bills that have not been presented electronically. Accounts of the Billers and Consumers are settled periodically by the switching network and reports are generated of the historical transactional activity of the exchanges over the network. Detailed information concerning a bill is accessible by the consumer only via a direct communication with the Biller, e.g., a hyperlink to the web site of the Biller, not via the switching network.
REFERENCES:
patent: 3833885 (1974-09-01), Gentile et al.
patent: 4277837 (1981-07-01), Stuckert
patent: 4315101 (1982-02-01), Atalla
patent: 4317957 (1982-03-01), Sendrow
patent: 4319336 (1982-03-01), Anderson et al.
patent: 4420751 (1983-12-01), Paganini et al.
patent: 4454414 (1984-06-01), Benton
patent: 4460960 (1984-07-01), Anderson et al.
patent: 4634845 (1987-01-01), Hale et al.
patent: 4678895 (1987-07-01), Tateisi et al.
patent: 4689478 (1987-08-01), Hale et al.
patent: 4695880 (1987-09-01), Johnson et al.
patent: 4727243 (1988-02-01), Savar
patent: 4734858 (1988-03-01), Schlafly
patent: 4799156 (1989-01-01), Shavit et al.
patent: 4823264 (1989-04-01), Deming
patent: 4947028 (1990-08-01), Gorog
patent: 5007084 (1991-04-01), Materna et al.
patent: 5025373 (1991-06-01), Keyser, Jr. et al.
patent: 5220501 (1993-06-01), Lawlor et al.
patent: 5231571 (1993-07-01), D'Agostino
patent: 5265033 (1993-11-01), Vajk et al.
patent: 5283829 (1994-02-01), Anderson
patent: 5287270 (1994-02-01), Hardy et al.
patent: 5325290 (1994-06-01), Cauffman et al.
patent: 5326959 (1994-07-01), Perazza
patent: 5336870 (1994-08-01), Hughes et al.
patent: 5341429 (1994-08-01), Stringer et al.
patent: 5347632 (1994-09-01), Filepp et al.
patent: 5383113 (1995-01-01), Kight et al.
patent: 5420405 (1995-05-01), Chasek
patent: 5424938 (1995-06-01), Wagner et al.
patent: 5465206 (1995-11-01), Hilt et al.
patent: 5473143 (1995-12-01), Vak et al.
patent: 5483445 (1996-01-01), Pickering
patent: 5594910 (1997-01-01), Filepp et al.
patent: 5649117 (1997-07-01), Landry
patent: 5655089 (1997-08-01), Bucci
patent: 5699528 (1997-12-01), Hogan
patent: 5710887 (1998-01-01), Chelliah et al.
patent: 5710889 (1998-01-01), Clark et al.
patent: 5717868 (1998-02-01), James
patent: 5727129 (1998-03-01), Barrett et al.
patent: 5727249 (1998-03-01), Pollin
patent: 5729693 (1998-03-01), Holda-Fleck
patent: 5745886 (1998-04-01), Rosen
patent: 5754939 (1998-05-01), Herz et al.
patent: 5787403 (1998-07-01), Randle
patent: 5815665 (1998-09-01), Teper et al.
patent: 5826242 (1998-10-01), Montulli
patent: 5832460 (1998-11-01), Bednar et al.
patent: 5845267 (1998-12-01), Ronen
patent: 5848396 (1998-12-01), Gerace
patent: 5848400 (1998-12-01), Chang
patent: 5857190 (1999-01-01), Brown
patent: 5870559 (1999-02-01), Leshem et al.
patent: 5870724 (1999-02-01), Lawlor et al.
patent: 5873072 (1999-02-01), Kight et al.
patent: 5884288 (1999-03-01), Chang et al.
patent: 5884290 (1999-03-01), Smorodinsky et al.
patent: 5890140 (1999-03-01), Clark et al.
patent: 5903721 (1999-05-01), Sixtus
patent: 5903732 (1999-05-01), Reed et al.
patent: 5905976 (1999-05-01), Mjolsnes et al.
patent: 5920847 (1999-07-01), Kolling et al.
patent: 5930759 (1999-07-01), Moore et al.
patent: 5943656 (1999-08-01), Crooks et al.
patent: 5956693 (1999-09-01), Geerlings
patent: 5956695 (1999-09-01), Carrithers et al.
patent: 5956700 (1999-09-01), Landry
patent: 5963925 (1999-10-01), Kolling et al.
patent: 5974146 (1999-10-01), Randle et al.
patent: 5978780 (1999-11-01), Watson
patent: 5987440 (1999-11-01), O'Neil et al.
patent: 6000033 (1999-12-01), Kelley et al.
patent: 6006333 (1999-12-01), Nielsen
patent: 6029151 (2000-02-01), Nikander
patent: 6032133 (2000-02-01), Hilt et al.
patent: 6038597 (2000-03-01), Van Wyngarden
patent: 6044362 (2000-03-01), Neely
patent: 6049786 (2000-04-01), Smorodinsky
patent: 6052457 (2000-04-01), Abdelaal et al.
patent: 6052730 (2000-04-01), Felciano et al.
patent: 6055567 (2000-04-01), Ganesan et al.
patent: 6058380 (2000-05-01), Anderson et al.
patent: 6065012 (2000-05-01), Balsara et al.
patent: 6070150 (2000-05-01), Remington et al.
patent: 6072870 (2000-06-01), Nguyen et al.
patent: 6078907 (2000-06-01), Lamm
patent: 6085177 (2000-07-01), Semple et al.
patent: 6085191 (2000-07-01), Fisher et al.
patent: 6097834 (2000-08-01), Krouse et al.
patent: 6098053 (2000-08-01), Slater
patent: 6119106 (2000-09-01), Mersky et al.
patent: 6119107 (2000-09-01), Polk
patent: 6119109 (2000-09-01), Muratani et al.
patent: 6122625 (2000-09-01), Rosen
patent: 6128603 (2000-10-01), Dent et al.
patent: 6173272 (2001-01-01), Thomas et al.
patent: 6178511 (2001-01-01), Cohen et al.
patent: 6182052 (2001-01-01), Fulton et al.
patent: 6199077 (2001-03-01), Inala et al.
patent: 6253203 (2001-06-01), O'Flaherty et al.
patent: 6275824 (2001-08-01), O'Flaherty et al.
patent: 6289322 (2001-09-01), Kitchen et al.
patent: 6292789 (2001-09-01), Schutzer
patent: 6327577 (2001-12-01), Garrison et al.
patent: 6334116 (2001-12-01), Ganesan et al.
patent: 6363362 (2002-03-01), Burfield et al.
patent: 6381584 (2002-04-01), Ogram
patent: 6393407 (2002-05-01), Middleton, III et al.
patent: 6412073 (2002-06-01), Rangan
patent: 6446119 (2002-09-01), Olah et al.
patent: 2001/0002535 (2001-06-01), Liebig et al.
patent: 2001/0037296 (2001-11-01), Ganesan et al.
patent: 2001/0044776 (2001-11-01), Kight et al.
patent: 2002/0010677 (2002-01-01), Kitchen et al.
patent: 2002/0013768 (2002-01-01), Ganesan
patent: 2002/0019809 (2002-02-01), Kitchen et al.
patent: 2002/0046165 (2002-04-01), Kitchen et al.
patent: 2002/0046166 (2002-04-01), Kitchen et al.
patent: 2002/0046167 (2002-04-01), Kitchen et al.
patent: 2002/0046168 (2002-04-01), Kitchen et al.
patent: 2002/0049672 (2002-04-01), Kitchen et al.
patent: 2002/0052840 (2002-05-01), Kitchen et al.
patent: 2002/0062282 (2002-05-01), Kight et al.
patent: 2002/0065773 (2002-05-01), Kight et al.
patent: 2002/0087427 (2002-07-01), Ganesan et al.
patent: 2002/0087461 (2002-07-01), Ganesan et al.
patent: 2002/0087465 (2002-07-01), Ganesan et al.
patent: 2002/0087468 (2002-07-01), Ganesan et al.
patent: 2002/0087469 (2002-07-01), Ganesan et al.
patent: 2002/0087471 (2002-07-01), Ganesan et al.
patent: 2002/0194125 (2002-12-01), Shimada
patent: 1020824 (2000-07-01), None
patent: 1043668 (2000-10-01), None
patent: 1049056 (2000-11-01), None
patent: 1052603 (2000-11-01), None
patent: 1083532 (2001-03-01), None
patent: 1091330 (2001-04-01), None
patent: 1111559 (2001-06-01), None
patent: 1136922 (2001-09-01), None
patent: 1136923 (2001-09-01), None
patent: 1136924 (2001-09-01), None
patent: 2294566 (1996-05-01), None
patent: WO99/05628 (1999-02-01), None
patent: WO99/07102 (1999-02-01), None
patent: WO99/10823 (1999-03-01), None
patent: WO99/13421 (1999-03-01), None
patent: WO99/15999 (1999-04-01), None
patent: WO 99/18529 (1999-04-01), None
patent: WO99/42944 (1999-08-01), None
patent: WO99/58339 (1999-11-01), None
patent: WO00/42551 (2000-07-01), None
patent: WO00/48085 (2000-08-01), None
patent: WO01/77938 (2001-10-01), None
patent: WO 02/14985 (2002-02-01), None
Hallerman, David (Banks strike back with an E-Bill challenge, Bank Technology news, PITEM99221005, Aug. 1999).
Sharon Osberg, “Wells Fargo: Standards-Based Electronic Bill Presentment and Payment (EBPP)”, Nov. 1999, XP-002192923.
Stoneman, B., Fit
Metavante Corporation
Oyebisi Ojo O
Reinhart Boerner Van Deuren S.C.
LandOfFree
Electronic bill presentment and payment system does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with Electronic bill presentment and payment system, we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Electronic bill presentment and payment system will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-4225691