Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2011-06-07
2011-06-07
Colbert, Ella (Department: 3694)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S039000, C705S044000, C705S035000, C705S042000
Reexamination Certificate
active
07958049
ABSTRACT:
An integrated electronic bill presentment and payment (EBPP) system is disclosed which obtains bills for customers (which include individuals, businesses, and organizations) and allow payments including payments by credit card to be processed at the biller websites on behalf of customers. The integrated EBPP system obtains bills for customers from paper billers, electronic billers, and scrape-enabled biller websites, with customers providing access information for biller websites to the integrated EBPP system, which uses a software agent or bot to make scheduled scrapes of biller websites to obtain customer bills. The integrated EBPP system enables customers to automatically set up a user account at biller websites, with customers providing user access information and user financial account information, such as a credit card or debit card, for accessing biller websites and for initiating payments at biller websites.
REFERENCES:
patent: 3833885 (1974-09-01), Gentile et al.
patent: 4277837 (1981-07-01), Stuckert
patent: 4319336 (1982-03-01), Anderson et al.
patent: 4460960 (1984-07-01), Anderson et al.
patent: 4678895 (1987-07-01), Tateisi et al.
patent: 4727243 (1988-02-01), Savar
patent: 4823264 (1989-04-01), Deming
patent: 4947028 (1990-08-01), Gorog
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: 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: 5465206 (1995-11-01), Hilt et al.
patent: 5483445 (1996-01-01), Pickering
patent: 5594910 (1997-01-01), Filepp et al.
patent: 5655089 (1997-08-01), Bucci
patent: 5710887 (1998-01-01), Chelliah et al.
patent: 5710889 (1998-01-01), Clark et al.
patent: 5727129 (1998-03-01), Barrett et al.
patent: 5727249 (1998-03-01), Pollin
patent: 5754939 (1998-05-01), Herz et al.
patent: 5815665 (1998-09-01), Teper et al.
patent: 5826242 (1998-10-01), Montulli
patent: 5848396 (1998-12-01), Gerace
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: 5903721 (1999-05-01), Sixtus
patent: 5903732 (1999-05-01), Reed 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: 5956700 (1999-09-01), Landry
patent: 5963925 (1999-10-01), Kolling et al.
patent: 5974146 (1999-10-01), Randle et al.
patent: 5987440 (1999-11-01), O'Neil et al.
patent: 6000033 (1999-12-01), Kelley et al.
patent: 6006333 (1999-12-01), Nielsen
patent: 6038597 (2000-03-01), Van Wyngarden
patent: 6044362 (2000-03-01), Neely
patent: 6049786 (2000-04-01), Smorodinsky
patent: 6052671 (2000-04-01), Crooks et al.
patent: 6052730 (2000-04-01), Felciano et al.
patent: 6055567 (2000-04-01), Ganesan et al.
patent: 6070150 (2000-05-01), Remington et al.
patent: 6085191 (2000-07-01), Fisher et al.
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: 6223168 (2001-04-01), McGurl 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: 6578015 (2003-06-01), Haseltine 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: 2002/0002536 (2002-01-01), Braco
patent: 2002/0010677 (2002-01-01), Kitchen et al.
patent: 2002/0013768 (2002-01-01), Ganesan
patent: 2002/0019808 (2002-02-01), Sharma
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: 2002/0184144 (2002-12-01), Byrd et al.
patent: 2002/0194125 (2002-12-01), Shimada
patent: 2003/0004874 (2003-01-01), Ludwig et al.
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: WO 99/18529 (1999-04-01), None
patent: WO99/42944 (1999-08-01), None
patent: WO00/48085 (2000-08-01), None
patent: WO0152142 (2001-07-01), None
patent: WO0152142 (2001-07-01), None
patent: WO01/77938 (2001-10-01), None
patent: WO0186558 (2001-11-01), None
patent: WO 02/14985 (2002-02-01), None
“Intuit to Offer Electronic Bill Presentment Through Quicken 98”, dated Dec. 1997, 1999 PR Newswire Association Inc.
Sharon Osberg, “Wells Fargo: Standards-Based Electronic Bill Presentment and Payment (EBPP)”. Nov. 1999, XP-002192923.
Council for Electronic Billing and Payment, Business-to-Business EIPP: Presentment Models and Payment Options, Part One: Presentment Models, Jan. 2001, National Automated Clearing House Association, Herndon, VA.
Council for Electronic Billing and Payment, Business-to-Business EIPP: Presentment Models and Payment Options, Part Two: Payment Options. Jan. 2001, National Automated Clearing House Association, Herndon, VA.
Arald Jean-Charles and Suhas D. Joshi, Architectural Choices for OSS Integration, eAI Journal, Sep. 2001, pp. 59-63.
Interoperabill Initiative of the Banking Industry Technology Secretariat (BITS), Electronic Bill Presentment and Payment (EBPP) Business Practices. May 9, 2000, Edition 2.1, Draft for Comment, Council for Electronic Billing and Payment of the National Automated Clearing House Association (NACHA).
Business Practices Task Force of NACHA's Council for Electronic Billing and Payment: An Overview of Electronic Bill Presentment and Payment Operating Models: Process, Roles, Communications, and Transaction Flows, Apr. 9, 1999.
Pricewaterhousecoopers, Electronic Bill Presentment and Payment: A Primer, Zurich-Oerlikon.
James S. Diggs, Electronic Commerce and the Document: An Old Lexicon Re-Energized, Xploration Spring, 1997, pp. 26-29.
Netdelivery Corporation, EDM: Electronic Delivery Management: The Delivery Service for Electronic Commerce, Boulder, CO.
Robert Landry, Ian Rubin, Richard Bell, Retail Banking Delivery Technology: Channels in Transition, Financial Services Technology Conference, Apr. 27-28, 1998, The Tower Group, Newton, MA.
Robert Landry, Forecasting How U.S. Delivery Channels Will Play Out, FutureBanker, Aug. 1997, pp. 46-49.
Gary B., Meshell, A Perspective on Electronic Commerce and Payments, Price Waterhouse.
No Author Name Given, Visa-Home Banking & Bill Payment So
Fortney David S.
Jamison Eric W.
Kosowski Alexander
Vasavada Dhaval A.
Colbert Ella
Finnegan Henderson Farabow Garrett & Dunner LLP
Metavante Corporation
Tran Hai
LandOfFree
System and method for obtaining customer bill information... does not yet have a rating. At this time, there are no reviews or comments for this patent.
If you have personal experience with System and method for obtaining customer bill information..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and System and method for obtaining customer bill information... will most certainly appreciate the feedback.
Profile ID: LFUS-PAI-O-2720342