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1. (WO1997016798) SYSTEM AND METHOD FOR BILL DELIVERY AND PAYMENT OVER A COMMUNICATIONS NETWORK
Latest bibliographic data on file with the International Bureau

Pub. No.: WO/1997/016798 International Application No.: PCT/US1996/017799
Publication Date: 09.05.1997 International Filing Date: 31.10.1996
Chapter 2 Demand Filed: 27.05.1997
IPC:
G06Q 20/04 (2012.01) ,G06Q 20/10 (2012.01) ,G06Q 20/14 (2012.01) ,G07F 7/00 (2006.01) ,H04M 15/00 (2006.01)
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
04
Payment circuits
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
10
specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
G PHYSICS
06
COMPUTING; CALCULATING; COUNTING
Q
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20
Payment architectures, schemes or protocols
08
Payment architectures
14
specially adapted for billing systems
G PHYSICS
07
CHECKING-DEVICES
F
COIN-FREED OR LIKE APPARATUS
7
Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
H ELECTRICITY
04
ELECTRIC COMMUNICATION TECHNIQUE
M
TELEPHONIC COMMUNICATION
15
Arrangements for metering, time-control or time-indication
Applicants:
MASTERCARD INTERNATIONAL, INC. [US/US]; 2000 Purchase Street Purchase, NY 10577-2509, US
Inventors:
HOGAN, Edward, J.; US
Agent:
CUNNINGHAM, David, T. ; Brumbaugh, Graves, Donohue & Raymond 30 Rockefeller Plaza New York, NY 10112-0228, US
Priority Data:
08/550,82231.10.1995US
Title (EN) SYSTEM AND METHOD FOR BILL DELIVERY AND PAYMENT OVER A COMMUNICATIONS NETWORK
(FR) SYSTEME ET PROCEDE DE REMISE DE FACTURE ET DE REGLEMENT VIA UN RESEAU DE COMMUNICATIONS
Abstract:
(EN) In a bill delivery and payment system, users (100) are able to access a server computer (160) on a communications network (110) to obtain bill information and pay bills. For example, such a communications network (110) may be the Internet or the World Wide Web thereof. Using a personal computer (100), a user can access a Web site provided by the server computer (160) to view the bill information and instruct the server computer (160) as to the details of the bill payment. In a second embodiment, without visiting the web site, users are provided with electronic bills containing bill information in the form of electronic mail (e-mail) at their e-mail addresses. After opening an electronic bill, a user can make the bill payment by replying to the electronic bill.
(FR) La présente invention concerne un système de remise de facture et de règlement dans lequel les utilisateurs (100) ont la possibilité, pour se faire remettre des informations de facture et régler ces factures, d'accéder à un ordinateur (160) intégré à un réseau de communications (110). Ce réseau de communications (110) peut être notamment le réseau Internet ou sa composante www $i((World Wide Web)). Avec un ordinateur personnel (100), l'utilisateur peut accéder à un site www comportant un ordinateur serveur (160) assurant la présentation des informations de facture, à la suite de quoi l'utilisateur peut donner à l'ordinateur serveur (160) des instructions sur les détails du règlement de la facture. Selon une seconde réalisation, et sans avoir à arriver jusqu'au site www, l'utilisateur reçoit sous forme de courrier électronique $i((e-mail)) arrivant à son adresse de courrier électronique, des factures électroniques contenant des informations de facture. Après avoir ouvert une facture électronique, l'utilisateur peut régler la facture par réponse à la facture électronique.
Designated States: AL, AM, AT, AU, AZ, BB, BG, BR, BY, CA, CH, CN, CZ, DE, DK, EE, ES, FI, GB, GE, HU, IL, IS, JP, KE, KG, KP, KR, KZ, LK, LR, LS, LT, LU, LV, MD, MG, MK, MN, MW, MX, NO, NZ, PL, PT, RO, RU, SD, SE, SG, SI, SK, TJ, TM, TR, TT, UA, UG, UZ, VN
African Regional Intellectual Property Organization (ARIPO) (KE, LS, MW, SD, SZ, UG)
Eurasian Patent Organization (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM)
European Patent Office (AT, BE, CH, DE, DK, ES, FI, FR, GB, GR, IE, IT, LU, MC, NL, PT, SE)
African Intellectual Property Organization (BF, BJ, CF, CG, CI, CM, GA, GN, ML, MR, NE, SN, TD, TG)
Publication Language: English (EN)
Filing Language: English (EN)
Also published as:
EP0859983CA2236432AU1996077229