WO2001086558A1 - Electronic bill presentment and payment system - Google Patents
Electronic bill presentment and payment system Download PDFInfo
- Publication number
- WO2001086558A1 WO2001086558A1 PCT/US2001/014885 US0114885W WO0186558A1 WO 2001086558 A1 WO2001086558 A1 WO 2001086558A1 US 0114885 W US0114885 W US 0114885W WO 0186558 A1 WO0186558 A1 WO 0186558A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- consumer
- biller
- terminal
- switching network
- payment
- Prior art date
Links
Classifications
-
- 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
-
- 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
- G06Q20/04—Payment circuits
-
- 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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- 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
Definitions
- the present invention is directed to electronic bill presentment and payment (EBPP) and in particular, to an improved consolidated and flexible system for presentment and/or payment of bills electronically over a network.
- EBPP electronic bill presentment and payment
- EBP electronic bill presentment
- Constant is defined as any individual or entity that purchases a good or service.
- Biller is defined as any individual or entity to be paid a fee for a good or service supplied to a Consumer.
- CSP Consumer Service Provider
- CCP Consumer Payment Provider
- BSP Biller Service Provider
- BPP Bill Payment Provider
- Participants includes any CSP, BSP, or Biller that registers to access the switching system in accordance with the present invention. Participation is not restricted to any Consumer, Biller, or financial institution.
- Paymentee is an individual, a company, a financial institution, or any other entity that serves as a remittance center or location on behalf of the Biller.
- a further object of the present invention is to develop a switching system for electronic presentment and payment of bills that employs a net settlement system for tallying the total credits and debits at the end of a cut-off period instead of processing each transaction thereby saving processing costs.
- Still another object of the present invention is to develop a universal switching system for electronic presentment and payment of bills that allows any BSP and CSP to participate.
- Consumers have one stop presentment and payment of all of their bills at a single location, while Billers can use a single system to send their bills to all of their customers.
- Billers are able to present their bills at all CSP participants, and CSPs, even those of smaller size institutions, have access to all BSPs.
- the present invention relates to 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
- Bill 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.
- 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.
- FIG. 1 is an exemplary representation of the switching system in accordance with the present invention.
- Figure 2 is another exemplary representation of the switching system in accordance with the present invention
- Figure 3 is yet another exemplary representation of the switching system in accordance with the present invention
- Figure 4 is a flow chart of the presentment functionality of the switching system in accordance with the present invention.
- FIG. 5 is a flow chart of the payment functionality of the switching system in accordance with the present invention.
- the present invention is directed to a switching system 1 00 that facilitates presentment, payment and settlement of bills among Consumers and Billers via a network such as the Internet, World Wide Web, Local Area Network, Wide Area Network, or any other communication network.
- a network such as the Internet, World Wide Web, Local Area Network, Wide Area Network, or any other communication network.
- Figure 1 is an exemplary representation of the switching system 1 00 in accordance with the present invention that includes a switching network 1 1 5.
- the switching system in Figure 1 exchanges bill and payment information via a switching network
- Biller and Consumer terminals 1 05, 1 25 may be any type of computer, such as a personal computer, laptop, notebook, or personal digital assistant (PDA) .
- PDA personal digital assistant
- FIG 2 is an alternative embodiment of the system 1 00' in accordance with the present invention wherein Biller 1 05 and payees 1 40 are the same entity using a common terminal.
- FIG 3 Yet another alternative configuration for the switching system 1 00" in accordance with the present invention is shown in Figure 3 in which the CSP and BSP devices have been eliminated so that the Consumer and Biller terminals communicate directly with the switching network 1 1 5.
- the system can be configured, as desired, to include one or more CSP or BSP devices, but not both. Referring to Figure 1 , one or more CSP devices 1 20 and BSP devices 1 1 0 are electronically connected to the switching network 1 1 5.
- Consumer terminals 1 25 and Biller terminals 1 05 are, in turn, electronically connected to the CSP devices 1 20 and BSP devices 1 1 0, respectively.
- BPP devices 1 35 are connected between BSP devices 1 1 0 and the switching network 1 1 5.
- Payee 1 40 is in communication with the BPP 1 35.
- CPP devices 1 45 are connected between CSP devices 1 20 and the switching network 1 1 5.
- the BSP devices 1 1 0 are separate from the BPP devices 1 35 and the CSP devices 1 20 are separate from the CPP devices 1 45. It is, however, contemplated and within the intended scope of this invention for BSP devices 1 10 and CSP devices 1 20 to perform payment acceptance and origination processing without employing separate BPP and CPP devices.
- Switching network 1 1 5 is an open, interoperable routing device. It is “open” in that any financial institution or financial institution sponsored third party processor may become a Participant. Furthermore, the switching network is "interoperable” in that the consolidation of presentment and/or payment of bills may be accomplished using a single system.
- the switching network 1 1 5 is an HTPP proxy server that uses a conventional message standard protocol, for example, Open Financial Exchange (OFX), Interactive Financial Exchange (IFX), or preferably a dual standard message environment supporting both OFX and IFX messages. Alternatively, any other type of message standard protocol for EBPP may be used.
- the system is flexible in that each Participant may use its own system and Participants need not use the same message standard in order to exchange information. For example, the CSP may use an OFX message standard and exchange information with a BSP that employs an IFX message standard.
- Messages generated by Consumer terminal 1 25 or CSP device 1 20 are received by the switching network 1 1 5 that proxy (e.g., HTTP Protocol) routes them to the destination BSP device 1 1 0 or Biller terminal 1 05.
- proxy e.g., HTTP Protocol
- the Biller terminal 1 05 or BSP device 1 1 0 response messages are proxy routed back to the CSP device or Consumer terminal 1 25.
- the switching network 1 1 5 logs the presentment and payment messages as they are routed between the CSP/CPP and BSP/BPP for reporting on a periodic basis, e.g., daily and/or monthly, to the Participants.
- Switching network 1 1 5 Each time CSP device 1 20 initiates a transaction request through the switching network 1 1 5, the server associated with the switching network verifies the authenticity of the CSP, preferably by validating their certificates, as is known in the art.
- the switching network server validates that the CSP, BSP and Biller names are consistent with the source CSP and the destination BSP.
- Switching network 1 1 5 has an associated memory device 1 30 in which a directory, preferably a
- LDAP Lightweight Directory Access Protocol
- the memory device 1 30 is shown in Figure 1 as separate from the switching network 1 1 5 but may alternatively be an integral component thereof.
- the three basic operations of the switching system 100 in accordance with the present invention are presentment, payment, and settlement of bills electronically. Presentment and payment operations may be implemented independently of one another so that the Consumer can access summary bill data without invoking the payment functionality, and vice versa.
- CSP devices, BSP devices and their associated Biller terminals must be registered Participants to access the switching network 1 1 5. Participants are connected to the switching network 1 1 5 via communication interface such as digital lines, the Internet, World Wide Web, Local Area Network, Wide Area Network or any other conventional connection or network.
- a Consumer 1 25 logs on to their CSP's web site and submits via communication interface 1 75 a bill presentment request to be enrolled by a Biller for electronic presentment of bill summary data. Alternatively, this information may be received by e-mail, postal service, facsimile or any other conventional method of transmission.
- the CSPs
- BSPs, and Billers served by the BSPs must register with the switching network as a Participant.
- Information regarding all Participants is listed in a directory stored in the memory device 1 30 .
- the directory employs Lightweight Directory Access Protocol (LDAP)
- updated information concerning the Participants is preferably made using an LDAP Data Interchange Format (LDIF) file in batch mode.
- LDIF LDAP Data Interchange Format
- the BSP device In response to the bill presentment request initiated by the Consumer terminal, the BSP device on behalf of a Biller submits via communication interface 1 55, switching network 1 1 5, and communication interface 1 80 an activation response back to the Customer's CSP device 1 20 acknowledging receipt of the bill presentment request and providing the status of the request.
- Bill presentment involves the aggregation, storage and transmission of billing information from businesses (Billers) to their customers (the Consumer).
- Switching network 1 1 5 acts as a transmission switch, receiving bills from a number of sources (Billers and/or their BSPs).
- an activation request of the Consumer to be enrolled for electronic presentment of a bill for a product or service rendered is sent to the respective BSP device 1 1 0 or Biller terminal 1 05.
- the Biller terminal 105 or BSP device 1 1 transmits an activation response acknowledging receipt of the activation request and provides the status of the request.
- Information concerning goods that have been purchased or services that have been rendered is transmitted by the Biller terminal 105 via communication interface 1 50 to the Biller's BSP device 1 10 that, in turn, extracts the necessary information therefrom, and generates a bill summary file in accordance with a format specified by the Biller.
- the bill summary file may be generated and formatted at the Biller terminal 1 05 and electronically transmitted via communication interface 1 50 to the BSP device 1 1 0.
- the bill summary data includes the Biller's name, payment due date, minimum amount due, and total amount due.
- the switching network 1 1 5 or switching system 100 does not require that the bill summary file be in any specified format or design. Instead, the format and design of the bill summary file is designed by the Billers and/or their respective BSP.
- FIG 4 is a flow diagram of the bill presentment functionality in accordance with the present invention.
- bill summary files are stored by the BSP devices 1 1 0 in which they are generated.
- the CSP devices 1 20 poll the BSP devices 1 1 0 via communication interface 1 80, switching network 1 1 5, and communication interface 1 55 to retrieve from the memory devices of the BSP devices any newly generated bill summary files of their customers.
- the bill summary files retrieved from the BSP devices 1 1 0 are routed, without modification, in step 41 5, via communication interface 1 55, switching network 1 1 5, and communication interface 1 80 to the appropriate CSP device in accordance with the information stored in the directory 1 30.
- Bill summary files are stored at the respective CSP devices 1 20, but are not stored in the switching network 1 1 5.
- the stored bill summary files are made available by the respective CSP devices at their web sites via communication interface 1 75 to their respective customers (Consumers
- Figure 1 shows a single communication interface 1 95 by which Consumer 1 25 may access detailed billing information from Biller 1 05, however, similar communication interfaces may be initiated between any Consumer and Biller.
- the switching system 1 00 in accordance with the present invention includes functionality that enables Consumers to electronically pay bills at Consumer terminal 1 25.
- Figure 5 is a flow chart of the payment functionality of the switching system in accordance with the present invention.
- the Consumer after having accessed the bill summary file, as described above, will select an icon or button that initiates payment of the bill (step 500) .
- How the Consumer initiates payment of a bill is up to the CSP when designing their web site.
- an icon on the screen may be designed by the CSP to permit the Consumer to select from among several payment options.
- the format and design of the screen are developed by the CSP.
- Possible options of payment made available by the CSP for its customers include: drawing from a transaction account, credit card payment, debit card payment, or any other alternative form of payment. Additional options that may be provided by the CSP to its customers include whether to pay the bill at the present time, on a recurring basis, or at some predetermined future date.
- Payment requests received by the CSP device 1 20 are forwarded in real time via communication interface 1 90 to CPP device1 45.
- all payments made electronically using the switching system in accordance with the present invention are verified by the CPP in step 505 to ensure that a sufficient balance exists in the Consumer's account prior to routing the transaction via communication interface 1 85 to the switching network 1 1 5 in step 51 0.
- switching network 1 1 5, in step 51 5 creates a remittance file and verifies that the CSP, BSP and Biller are Participants.
- the unique identifier of the Biller is obtained from the directory 1 30 associated with the switching network 1 1 5.
- Remittance information is forwarded from the switching network 1 1 5 to the respective BPP device 1 35 via communication interface 1 60 in step 520.
- BPP 1 35 also sends the remittance information via communication interface 1 70 to the payee 1 40.
- each BPP device may decide whether to forward the remittance information via communication interface 1 65 to the BSP device 1 1 0 that, in turn, sends a message to the individual Billers acknowledging payment of the bill.
- bills may also be paid electronically using the system in accordance with the present invention even if they have not been previously electronically presented, referred to as "pay-anyone functionality".
- This functionality allows the present inventive system to be "universal" in that the Consumer can pay all of their bills electronically using a single system. Specifically, customers of a participating CSP can make electronic payments that are not linked to a presented bill, thereby allowing customers of a participating CSP to pay another person without the presentation of a bill through the switching system, even when a debtor/creditor relationship between them does not exist.
- the pay-anyone feature may be used to transfer money to a friend or relative in need of funds, to a child away in school, to make a charitable contribution or to make a purchase on the Internet.
- the service also provides net settlement functionality associated with the electronic payment of the bills for all transactions since the previous cut-off period. As payments are initiated by Consumer 1 25, switching network 1 1 5 debits the Consumer's account and credits the
- Switching network 1 1 5 settles all monetary transaction activity of Participants at a predetermined cut-off period, e.g., 2:00 p.m. of every business day, by determining the net amount of money owed and initiates a transfer of funds electronically between the CSP' s account and the BSP's account. The BSP then debits the BSP's account and credits the appropriate Biller's account. For any particular cut-off period the total debits must equal the total credits.
- the switching network 1 1 5 processes payment instructions received from CSP participants but drawn on accounts at Participant or Non-Participant institutions.
- Any conventional batch clearing and settlement system for example, the Automated Clearing House (ACH) network or federal wire, may be used to make the necessary remittance transactions after it has received final payment from a Consumer or its associated CSP.
- the ACH network is a nationwide system that processes electronic payments on behalf of depository financial institutions.
- Switching network 1 1 5 logs the history of all transactions between Billers and Consumers. This history is retained for auditing purposes and used to generate reports to each participant. Remittance data is reported to each Participant, preferably on a daily and/or monthly basis, notifying them of the amount of money that has been debited or credited to their account.
Abstract
Description
Claims
Priority Applications (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
EP01937260A EP1305752A1 (en) | 2000-05-09 | 2001-05-09 | Electronic bill presentment and payment system |
AU6301301A AU6301301A (en) | 2000-05-09 | 2001-05-09 | Electronic bill presentment and payment system |
CA002408599A CA2408599A1 (en) | 2000-05-09 | 2001-05-09 | Electronic bill presentment and payment system |
AU2001263013A AU2001263013B2 (en) | 2000-05-09 | 2001-05-09 | Electronic bill presentment and payment system |
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US20303800P | 2000-05-09 | 2000-05-09 | |
US60/203,038 | 2000-05-09 |
Publications (1)
Publication Number | Publication Date |
---|---|
WO2001086558A1 true WO2001086558A1 (en) | 2001-11-15 |
Family
ID=22752205
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
PCT/US2001/014885 WO2001086558A1 (en) | 2000-05-09 | 2001-05-09 | Electronic bill presentment and payment system |
Country Status (5)
Country | Link |
---|---|
US (1) | US7734543B2 (en) |
EP (1) | EP1305752A1 (en) |
AU (2) | AU2001263013B2 (en) |
CA (1) | CA2408599A1 (en) |
WO (1) | WO2001086558A1 (en) |
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WO2021017437A1 (en) * | 2019-07-31 | 2021-02-04 | 创新先进技术有限公司 | Blockchain-based note verification method and apparatus, electronic device, and storage medium |
US11049115B2 (en) | 2019-07-31 | 2021-06-29 | Advanced New Technologies Co., Ltd. | Blockchain-based bill write-off method, apparatus, electronic device, and storage medium |
US11429983B2 (en) | 2019-07-31 | 2022-08-30 | Advanced New Technologies Co., Ltd. | Blockchain-based bill write-off method, apparatus, electronic device, and storage medium |
Also Published As
Publication number | Publication date |
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EP1305752A1 (en) | 2003-05-02 |
AU2001263013B2 (en) | 2006-06-29 |
CA2408599A1 (en) | 2001-11-15 |
US20020002536A1 (en) | 2002-01-03 |
US7734543B2 (en) | 2010-06-08 |
AU6301301A (en) | 2001-11-20 |
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