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System and method for secure presentment and payment over open networks 원문보기

IPC분류정보
국가/구분 United States(US) Patent 등록
국제특허분류(IPC7판)
  • G06F-017/00
출원번호 US-0045244 (1998-03-20)
발명자 / 주소
  • Rosen Sholom S.
출원인 / 주소
  • Citibank, N.A.
대리인 / 주소
    Morgan & Finnegan, LLP
인용정보 피인용 횟수 : 304  인용 특허 : 12

초록

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 proce

대표청구항

[ I claim:] [1.] 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 sai

이 특허에 인용된 특허 (12)

  1. Hilt James J. (Daly City CA) Hodges Ron (San Ramon CA) Pardue Stephen W. (Half Moon Bay CA) Powar William L. (Palo Alto CA), Electronic bill pay system.
  2. Boesch Brian Paul ; Crocker Stephen David ; Eastlake ; III Donald Eggleston ; Hart ; Jr. Alden Sherburne ; Lindenberg Robert A. ; Paredes Denise Marie, Electronic transfer system and method.
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  4. Lawlor Matthew P. (Washington DC) Carmody Timothy E. (McLean VA), Method and system for remote delivery of retail banking services.
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  7. Muftic Sead,SEX, Secure world wide electronic commerce over an open network.
  8. Hogan Edward J. (Bayside NY), System and method for bill delivery and payment over a communications network.
  9. Rosen Sholom S. (New York NY), System and method for commercial payments using trusted agents.
  10. Kight Peter J. (Dublin OH) Johnson Mark A. (Dublin OH) Christenson Tamara K. (Gahanna OH) Lach Regina (Galena OH) Pointer Philip (Columbus OH) Cook Kenneth (Gahanna OH), System and method for electronically providing customer services including payment of bills, financial analysis and loan.
  11. Geer Terry L., System for expediting the clearing of financial instruments and coordinating the same with invoice processing at the poi.
  12. Rosen Sholom S. (New York NY), Trusted agents for open electronic commerce.

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  189. Kaza, Shrinivas K.; McRae, Xuan (Sunny) N.; Subramani, Dillip K.; Roland, Matthew Grant; Lopin, Pavel; Mueller, Georg, System and method for automatically enrolling buyers into a network.
  190. Dickelman, Mark, System and method for conversion of initial transaction to final transaction.
  191. Dickelman, Mark, System and method for conversion of initial transaction to final transaction.
  192. Hoffberg, Steven M., System and method for determining contingent relevance.
  193. Bonalle, David S.; Larkin, Carl; Saunders, Peter D., System and method for dynamic fob synchronization and personalization.
  194. Lam, Duc; Roland, Matthew; McRae, Xuan (Sunny), System and method for electronic authorization of batch checks.
  195. Brown, Karen Lavern; Manarky, Lisa Kim, System and method for electronic bill pay and presentment.
  196. Acharya, Ravi V., System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image.
  197. Acharya, Ravi V., System and method for electronic deposit of a financial instrument by banking customers from remote locations by use of a digital image.
  198. Meyer, Shannon D.; Haggerty, Margaret A.; Schwabinger, Rick, System and method for electronic remittance of funds.
  199. Berardi, Michael J.; Bliman, Michal; Bonalle, David S.; Saunders, Peter D., System and method for encoding information in magnetic stripe format for use in radio frequency identification transactions.
  200. Arnold, Brian L.; Simpson, Paul H.; Fitzgerald, Thomas Steven; Lo, Pik Kwan; Wilson, James K.; Brockwell, John C.; Quinn, Michael F., System and method for enhancing supply chain transactions.
  201. Warren, Mary Carter; Barrett, Donna M.; Schmitt, Donald H.; Ehemann, Karen R., System and method for establishing or modifying an account with user selectable terms.
  202. Warren, Mary Carter; Fredman, Marc L.; Hoechst, Kimberly L.; Filak, Douglas A.; Steckart, James C.; Blossom, George W.; Jacobs, Ron E.; Barrett, Donna M.; Schmitt, Donald H.; Strock, Bradley R.; Witsil, Kathleen H.; Ehemann, Karen R.; Dowidchuck, Katrina, System and method for establishing or modifying an account with user selectable terms.
  203. Warren, Mary Carter; Fredman, Marc L.; Hoechst, Kimberly L.; Filak, Douglas A.; Steckart, James C.; Blossom, George W.; Jacobs, Ron E.; Barrett, Donna M.; Schmitt, Donald H.; Strock, Bradley R.; Witsil, Kathleen H.; Ehemann, Karen R.; Dowidchuck, Katrina, System and method for establishing or modifying an account with user selectable terms.
  204. Brandenburg,Jackson; Krishnamacharii,Narasimhan; Dulin,Charles, System and method for facilitating access by sellers to certificate-related and other services.
  205. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  206. Donaho, Emma; Nolan, Joseph Bradley; Budde, William; Miranda, Giancarlo; Sheley, William Scott, System and method for financial services device usage.
  207. Peart, Lee J; Saunders, Peter D, System and method for generating an unpredictable number using a seeded algorithm.
  208. Read, Matthew J.; Ames, Craig S.; Nangia, Vinit; Lobashov, Pavel; Lam, Josiah, System and method for generating and managing administrator passwords.
  209. Read, Matthew J.; Ames, Craig S.; Nangia, Vinit; Lobashov, Pavel; Lam, Josiah, System and method for generating and managing administrator passwords.
  210. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for generating graphical user interface.
  211. Mount, Cheryl; Pradhan, Akshay; Tucker, Sheryl F.; Garvey, Danielle O.; Barry, Dennis C.; Goodwin, Brenda; Radvanyi, Tammy; O'Brien, Linda M., System and method for generating magnetic ink character recognition (MICR) testing documents.
  212. Hoffberg, Steven M., System and method for incentivizing participation in a market transaction.
  213. Coyle, Adam; Anuszewski, Terri; Coleman, Bruce; Norton, Thomas; McNary, Doug, System and method for issuing negotiable instruments by licensed money transmitter from direct deposits.
  214. Saunders, Peter D, System and method for managing a transaction protocol.
  215. Jou, Brian; Adler, Lynn A.; Bing, Robert L.; Boyle, James M.; Briody, Clare K.; Emery, Ian K.; Moran, Brian A.; Mascio, Kenneth, System and method for multicurrency and multibank processing over a non-secure network.
  216. Scott, Kelly W., System and method for network-based project management.
  217. Cataline, Glen R.; Rielly, William Smith; Sheehan, Mark Robert; Wallace, William Scott, System and method for optimized funding of electronic transactions.
  218. Benson, Glenn Stuart; Croston, Sean, System and method for partner key management.
  219. Lam, Duc; Shanbhogue, Ramnath; Kan, Immanuel; Moore, Robert; McRae, Xuan, System and method for payer (buyer) defined electronic invoice exchange.
  220. Lam, Duc; Shanbhogue, Ramnath; Kan, Immanuel; Moore, Robert; McRae, Xuan (Sunny), System and method for payer (buyer) defined electronic invoice exchange.
  221. Skingle, Bruce James, System and method for portal infrastructure tracking.
  222. Skingle,Bruce James, System and method for portal infrastructure tracking.
  223. Everhart, Glenn C., System and method for preventing identity theft or misuse by restricting access.
  224. Allen, Brian J.; Buroker, Bruce A.; Flood, John P.; Gentz, Scott A.; Lidman, Gina M.; Teichman, William J., System and method for processing applicant input information.
  225. Pletz, Tracy; Rochford, Joseph, System and method for processing qualified healthcare account related financial transactions.
  226. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  227. Field, Manning R.; Reinhard, Walter Brent, System and method for processing transactions using a multi-account transactions device.
  228. Field, Manning R.; Reinhard, Walter Brent; Keld, Marcia, System and method for processing transactions using a multi-account transactions device.
  229. Hoffberg, Steven M., System and method for providing a payment to a non-winning auction participant.
  230. Hicks, Mack; Seiler, Regina; Tallent, Guy; Kupres, Kristin; Freudenstein, Allen, System and method for providing certification-related and other services.
  231. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  232. Rosko, Robert; Gudipati, Jayashree, System and method for providing customers with seamless entry to a remote server.
  233. Rosko,Robert; Ampani,Kumar, System and method for providing customers with seamless entry to a remote server.
  234. Bowers, Theodore J; Ilijasic, Dean; Sanders, Shelley F., System and method for providing discriminated content to network users.
  235. Bowers,Theodore J.; Ilijasic,Dean; Sanders,Shelley F., System and method for providing discriminated content to network users.
  236. Gendler,Joseph, System and method for providing funding approval associated with a project based on a document collection.
  237. Sanders, Shelley F.; Bowers, Theodore; Ilijasic, Dean, System and method for providing incentives to consumers to share information.
  238. McKenney, Mary Keenan; Walch, Markus; Baker, III, Walter; Storch, Oliver; Landsmann, Peter Josef Eduard; Jetter, William John; Wong, Margaret Miu-Ling; Cameron, William Isaac, System and method for providing payment services in electronic commerce.
  239. Evans, Steven E.; Pierce, Suzanne Dallmeyer, System and method for providing supplemental payment or transaction information.
  240. Fei, Huchen; Yang, Dong; Hong, Xiao, System and method for rapid updating of credit information.
  241. Bishop, Fred; Neemann, Trey; Armes, David, System and method for reassociating an account number to another transaction account.
  242. Felsher, David P.; Nagel, Robert H.; Hoffberg, Steven M., System and method for secure three-party communications.
  243. Felsher, David P.; Nagel, Robert H.; Hoffberg, Steven M., System and method for secure three-party communications.
  244. Nagel,Robert H.; Felsher,David P.; Hoffberg,Steven M., System and method for secure three-party communications.
  245. Saunders, Peter D; Barnes, Brian T, System and method for secure transactions manageable by a transaction account provider.
  246. Bouey, Kevin; Muthu, Sri Saravana; Pearce, Brian M.; Vancini, Adam, System and method for securely registering a recipient to a computer-implemented funds transfer payment network.
  247. Peart, Lee J.; Saunders, Peter D., System and method for securing sensitive information during completion of a transaction.
  248. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  249. Cataline, Glen R.; Rielly, William Smith; Wallace, William Scott; Sheehan, Mark Robert, System and method for selectable funding of electronic transactions.
  250. Lehman, Dean K.; McCullough, Joseph R.; Orth, Nancy A., System and method for sending money via E-mail over the internet.
  251. Miller, Lawrence R; Trenholm, Martin J., System and method for single session sign-on.
  252. Skingle,Bruce James, System and method for single session sign-on with cryptography.
  253. Ellmore, Kimberly, System and method for single sign on process for websites with multiple applications and services.
  254. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  255. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  256. Ellmore,Kimberly, System and method for single sign on process for websites with multiple applications and services.
  257. Ellmore,Kimberly, System and method for single sign on process for websites with multiples applications and services.
  258. Colcord, Brian, System and method for testing applications.
  259. Rosedale,Matthew P.; Master,Warren; Campfield,Thomas; Phinney,John, System and method for trade settlement tracking and relative ranking.
  260. Bouey, Kevin; Muthu, Sri Saravana; Pearce, Brian M.; Vancini, Adam, System and method for transferring funds.
  261. Bouey, Kevin; Muthu, Sri Saravana; Pearce, Brian M.; Vancini, Adam, System and method for transferring funds.
  262. Miller, Lawrence R.; Tallent, Jr., Guy S.; Ahmed, Khaja E., System and method for transparently providing certificate validation and other services within an electronic transaction.
  263. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  264. Holm, Don; Lam, Duc; McRae, Xuan (Sunny), System and method for varying electronic settlements between buyers and suppliers with dynamic discount terms.
  265. ElBizri, Samer, System and method of offsetting invoice obligations.
  266. Cartwright,Shawn D., System and methods for obtaining advantages and transacting the same in a computer gaming environment.
  267. Blagg, Lynn; Rodin, Michael F., System for distributing funds.
  268. Breck, Lydia; Zoob, Jessica; Salow, Glen; Bishop, Fred; Schwarz, William; Glazer, Elliot; Johnstone, David; Cunningham, Katie; Nambiar, Anant; Belt, Jan Nunney; Wittwer, Martin; Armes, David; Chow, Christina, System for facilitating a transaction.
  269. Breck, Lydia; Zoob, Jessica; Salow, Glen; Bishop, Fred; Schwarz, William; Glazer, Elliot; Johnstone, David; Cunningham, Katie; Nambiar, Anant; Belt, Jan Nunney; Wittwer, Martin; Armes, David; Chow, Christina, System for facilitating a transaction.
  270. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  271. Mann, III, William Frederick; Hirka, Jeffrey L., System for providing cardless payment.
  272. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  273. Harris, Scott; Lavinsky, Joshua; Sreeharsha Dasa Anjayaiah, Setty, Systems and methods for automated invoice entry.
  274. Amling, Alan; Post, George R.; Zamsky, David S.; Rankin, Kenneth T.; Marcus, Stuart D.; Woods, Bruce L., Systems and methods for consolidated global shipping.
  275. Mack, Dennis P., Systems and methods for enabling duty determination for a plurality of commingled international shipments.
  276. Hansen, Kurt L.; Diveley, Keith W., Systems and methods for enrolling consumers in goods and services.
  277. Hansen,Kurt L.; Diveley,Keith W., Systems and methods for enrolling consumers in goods and services.
  278. Bonalle, David; Bliman, Michal; Saunders, Peter D.; Williamson, John Robert, Systems and methods for managing account information lifecycles.
  279. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
  280. Jarvie, Jay C.; Vayner, Leonid; Payne, Clive Anthony, Systems and methods for managing digital certificates.
  281. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  282. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  283. Szwalbenest, Stanley A., Systems and methods for multifactor authentication.
  284. Bishop, Fred; Saunders, Peter D, Systems and methods for non-traditional payment using biometric data.
  285. Enenkiel, Achim, Systems and methods for processing data in a web services environment.
  286. Bonalle,David S.; Fehlhaber,Jeff; Saunders,Peter D., Systems and methods for providing a RF transaction device operable to store multiple distinct calling card accounts.
  287. Blair, Paul; Hansen, Kurt; Moore, Gary, Systems and methods for staging transactions, payments and collections.
  288. Blair,Paul; Hansen,Kurt; Moore,Gary, Systems and methods for staging transactions, payments and collections.
  289. Amling, Alan; Post, George R.; Zamsky, David S.; Rankin, Kenneth T.; Marcus, Stuart D.; Woods, Bruce L., Systems and methods for virtual inventory management.
  290. Amling, Alan; Post, George R.; Zamsky, David S.; Rankin, Kenneth T.; Marcus, Stuart D.; Woods, Bruce L., Systems and methods for virtual inventory management.
  291. Loy, John J., Trade receivable processing method and apparatus.
  292. Loy, John J., Trade receivable processing method and apparatus.
  293. Loy, John J., Trade receivable processing method and apparatus.
  294. Loy,John J., Trade receivable processing method and apparatus.
  295. Dulin, Charles; Solo, David; Hicks, Mack; Nepomuceno, Larry; Stirland, Mark, Transaction coordinator for digital certificate validation and other services.
  296. Gillin, Matthew J.; Korfmann, Roger; Raden, Paul L., Transfer instrument.
  297. Gillin, Matthew J.; Korfmann, Roger; Raden, Paul L., Transfer instrument.
  298. Gillin, Matthew J.; Korfmann, Roger; Raden, Paul L., Transfer instrument.
  299. Coleman, Don; Dodson, Jeff; Fouts, Noel F.; Matheson, Michael I., Visual asset structuring tool.
  300. Hankins, Matthew; Mann, III, William; Dickelman, Mark, Waterfall prioritized payment processing.
  301. Baig, Aamer Ali; Cowell, James E.; Karas, Peter M.; Neofytides, Cheryl L.; Golub, Matthew F.; Yoder, James R.; Milberger, Susan M.; Sherrard, Jeff D.; Dunker, Amy M.; Macfarlane, Jackie M.; Platte, Eric L.; Abrahams, Susan F., Wide area network person-to-person payment.
  302. Baig, Aamer Ali; Cowell, James E.; Karas, Peter M.; Neofytides, Cheryl L.; Golub, Matthew F.; Yoder, James R.; Milberger, Susan M.; Sherrard, Jeff D.; Dunker, Amy M.; Macfarlane, Jackie M.; Platte, Eric L.; Abrahams, Susan F., Wide area network person-to-person payment.
  303. Johnson, Richard C., eDropship: methods and systems for anonymous eCommerce shipment.
  304. Johnson, Richard C., eDropship: methods and systems for anonymous eCommerce shipment.
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