# US 10,482,530 B2 · Process of and apparatus for notification of financial documents and the like

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- Number: US 10,482,530 B2
- Document ID: US10482530B2
- Status: Granted
- Kind: B2
- Application number: 16/279,478
- Filed: 2019-02-19
- Published: 2019-07-11
- Granted: 2019-11-19
- Earliest claimed: 2006-11-23
- Assignees: Jagwood Pty Ltd.
- Applicants: Jagwood Pty Ltd.
- Inventors: Andrew Blair; James Robert Hancock; Geoffrey Charles Purcell; Robin James Beauchamp
- Web page: https://patentgrep.com/patent/US10482530B2

## CPC

- G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03)
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- 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

## Abstract

A payee (300A) sends a financial document (335) such as an invoice to a payer (1A) via a payment adviser service (2001, 3001). The payer (1A) sends a financial document (45) such as an advice of payment to the payment adviser service (2001, 3001) and instructions for payment (80) to a payment clearance system (100). The payment clearance system sends to the payee (300A) information on where to access the financial document (45) by including it in the payee's bank statement (315).

## Claims

### Claim 1

A process for use by a computer system of a payer and a computer system of a payee in connection with:
a payments adviser computer system comprising computer software executing on computer hardware remote from the computer systems of the payer and payee and communicable over the internet, and
a payments clearance computer system comprising computer software executing on computer hardware remote from the computer systems of the payer and payee and which hardware includes a payer's financial institution's computer system and a payee's financial institution's computer system,
the process comprising:
the payer's computer system sending a request over the internet to the payments adviser computer system for an identifier for a financial document;
the payment adviser system allocating an identifier to the financial document in response to the request, the identifier being allocated as a short uniform resource identifier (URI) comprising (a) the internet address of the payments adviser computer system and a unique location for the financial document, and (b) a character length within an available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system;
the payer's computer system at or after the time of the request, uploading over the internet the financial document to the payments adviser computer system for storage per the identifier;
the payer's computer system sending to the payer's financial institution's computer system for sending to the payee's computer system through the payments clearance computer system:
a payment request; and
the payment reference containing or consisting of the identifier and which signifies to the payee the location to access the financial document;
on authorization of the payment request, the payer's financial institution's computer system sending via the payments clearance computer system to the payee's financial institution's computer system:
the payment; and
the payment reference containing or consisting of the identifier and which signifies to the payee the location to access the financial document;
the payments clearance computer system sending to the payee's financial institution's computer system:
the payment; and
the payment reference containing or consisting of the identifier and which signifies to the payee the location to access the financial document;
the payee's financial institution's computer system creating a payment advice or bank statement accessible to the payee containing information received via the payments clearance computer system from the payer's financial institution's computer system including the identifier, and
the payee's computer system sending a request over the internet to the payment adviser system which includes the identifier to access the stored financial document applicable to the payment received by the payee from the payer.

### Claim 2 (depends on 1)

The process as claimed in claim 1 in which the payer's computer system supplies security authentication information to the payments adviser computer system.

### Claim 3 (depends on 2)

The process as claimed in claim 2 in which the security authentication information includes at least payment account details of the payee.

### Claim 4 (depends on 1)

The process as claimed in claim 1 in which the payee's computer system uses the identifier to access the financial document.

### Claim 5 (depends on 1)

The process as claimed in claim 1, in which the payee's computer system is allowed access to the financial document only on the production of security authentication information to the payments adviser system.

### Claim 6 (depends on 3)

The process as claimed in claim 3, in which the security authentication information comprises the payee's payment account details and the identifier.

### Claim 7 (depends on 3)

The process as claimed in claim 3, in which the security authentication information further comprises at least one of:
the payment date;
the payment amount; and
a secret shared secret between the payer and payee.

### Claim 8 (depends on 1)

The process as claimed in claim 1, in which payer registration is required with the payment adviser computer system before the payer's computer system sends a request over the internet to the payments adviser system for an identifier for a financial document.

### Claim 9 (depends on 8)

The process as claimed in claim 8, in which the payer registration requires the payer to establish a password which is to be used whenever the payer requests a document identifier.

### Claim 10 (depends on 1)

The process as claimed in claim 1, further comprising, before a payment is sent to the payee's computer system through the payments clearance system, the payee's computer system sending, directly or indirectly, by computer, a financial document to the payer.

### Claim 11 (depends on 10)

The process as claimed in claim 10, wherein in lieu of the payer's computer system requesting the identifier and uploading the financial document, the process includes:
the payee's computer system sending by computer a request over the internet to the payments adviser system for the identifier for the financial document;
the payment adviser system allocating the identifier to the payee in response to the request, the identifier being allocated a short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system;
the payee's computer system uploading over the internet the financial document to the payments adviser system for storage per the identifier;
the payee's computer system sending by computer to the payer:
a request for payment; and
information including the document identifier, thereby allowing the payer's computer system to send over the internet to the payment adviser system the document identifier to access the stored financial document applicable to the payment request received by the payer from the payee.

### Claim 12 (depends on 10)

The process as claimed in claim 10, in which the financial document that the payee's computer system uploads to the payment adviser system is an invoice.

### Claim 13 (depends on 10)

The process as claimed in claim 10, in which the payer's computer system uses the identifier to access the financial document.

### Claim 14 (depends on 10)

The process as claimed in claim 10, in which the payer's computer system is allowed access to the financial document only on the production of security authentication information to the payments adviser system.

### Claim 15 (depends on 14)

The process as claimed in claim 14, in which the security authentication information comprises the payment account details and the identifier.

### Claim 16

A computer system for allowing a payer to pay a payee as a financial transaction through a financial institution's computer system and securely providing the payee with access to a financial document relating to the financial transaction comprising:
a payments adviser computer system remote from the payer's computer system and payee's computer system;
at least one payments clearance computer system remote from the payer's computer system and payee's computer system;
the payments adviser computer system configured to receive from the payer's computer system a request over the internet for a document reference code for a financial document relating to the payment constructed by the payer's computer system;
the payment adviser system configured to allocate a document reference code to the payer's computer system in response to the request, document reference code being allocated as a short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system;
the payments adviser system configured to receive from the payer's computer system, at or after the time of the request, an upload over the internet of financial document to for storage per the document reference code;
at the time of uploading the financial document, the payments adviser computer system configured to receive from the payer's computer system (a) payment account details of the payee and (b) security authentication information;
at least one payments clearance computer system configured to process a payment instruction issued by the payer to the payer's financial institution's computer system that includes the amount to be transferred, the payment account details of the payee and the document reference code such that the document reference code appears in a transaction field in the documents received by the payee from the payee's financial institution's computer system;
the at least one payments clearance computer system configured to process the payment instruction by debiting the payer financial institution's computer system and crediting the payee financial institution's computer system, such that the payee financial institution's computer system provides to the payee details of transaction including the document reference code;
the payments adviser computer system configured to be contacted by the payee via the internet using in the URI the document reference code;
the payments adviser computer system configured to provide to the payee the uploaded copy of the financial document via the internet.

### Claim 17 (depends on 16)

The computer system as claimed in claim 16, wherein the payments adviser computer system configured to provide to the payee the uploaded copy only after entry of the security authentication information.

### Claim 18 (depends on 16)

The computer system as claimed in claim 16, wherein the payment adviser computer system originates the document reference code.

### Claim 19

In a system which includes:
a payer's computer system operable by a payer,
a payee's computer system operable by a payee;
a payments adviser computer system comprising computer software executing on computer hardware remote from the payer and payee and communicable over the internet; and
a payments clearance computer system comprising computer software executing on computer hardware remote from the payer's computer system and payee's computer system and which hardware includes a payer's financial institution's computer system and a payee's financial institution's computer system,
the process comprising:
the payee's computer system sending by the payee's computer system over the internet to the payments adviser computer system a request for a document reference code for a financial document, the payment adviser system allocating a document reference code to the financial document in response to the request, the document reference code being allocated as a short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system;
the payee's computer system at or after the time of the request, uploading over the internet the financial document to the payments adviser system for storage per the document reference code; and
the payee's computer system sending by the payee's computer system to the payer's financial institution's computer system through the payments clearance system:
a request for a payment; and
the document reference code that signifies to the payer the location to access the financial document.

### Claim 20 (depends on 19)

The process as claimed in claim 19, in which: the payee's computer is a point of sale terminal.

### Claim 21 (depends on 19)

The process as claimed in claim 19, in which:
the document reference code signifies a location within the payments adviser system; and the location to which the payee's computer system sends the financial document is that location within the payments adviser system.

### Claim 22 (depends on 19)

The process as claimed in claim 19, in which the payments clearance system communicates the document reference code to the payer's computer system.

### Claim 23 (depends on 22)

The process as claimed in claim 22, in which the payments clearance computer system communicates the document reference code to the payer's computer system by including it in the payer's bank statement.

### Claim 24 (depends on 23)

The process as claimed in claim 23, in which the payments clearance computer system includes the document reference code in the payee's bank statement.

### Claim 25 (depends on 24)

The process as claimed in in claim 24, in which the payee's computer system sends the financial document over the Internet.

### Claim 26 (depends on 19)

The process as claimed in claim 19, in which the payer uses the document reference code to access the financial document.

### Claim 27 (depends on 19)

The process as claimed in claim 19, in which the payer is allowed access to the financial document only on the production of security authentication Information to the payments adviser system.

### Claim 28 (depends on 27)

The process as claimed in claim 27, in which the security authentication information comprises the payment account details and a document reference code.

### Claim 29 (depends on 28)

The process as claimed in claim 28, in which the security authentication information further comprises at least one of:
the payment date;
the payment amount; and
a secret shared secret between the payer and payee.

### Claim 30 (depends on 19)

The process as claimed in claim 19, further comprising, before the payee's computer system sends a request for payment to the payer's financial institution's computer system, the payee's computer system sends a financial document to the payer's computer system.

### Claim 31 (depends on 19)

The process as claimed in claim 19, in which at least one of:
the payer's bank statement; and
the payee's bank statement,
includes the document reference code that signifies the location of the financial document that the payee's computer system sends to the payer's computer system.

### Claim 32 (depends on 19)

The process as claimed in claim 19, in which the financial document that the payee's computer system sends to the payer's computer system includes a document reference code that signifies a location of the request for a payment that the payee's computer system sends to the payer's computer system.

### Claim 33 (depends on 19)

The process as claimed in claim 19, in which the location of the request for a payment that the payee's computer system sends to the payer's computer system is within the payments adviser system.

### Claim 34 (depends on 19)

The process as claimed in claim 19, in which the financial document that the payee's computer system sends to the payer's computer system is an invoice.

### Claim 35

A process in a system for use by a payer and a payee, wherein the system comprises:
a payments adviser computer system comprising computer software executing on computer hardware remote from the payer's computer system and payee's computer system and communicable over the internet; and
a payments clearance system comprising computer software executing on computer hardware remote from the payer's computer system and payee's computer system and which hardware includes a payer's financial institution's computer system and a payee's financial institution's computer system,
the process comprising:
in response to a request from the payer's computer system, the payment adviser system allocating an identifier for a financial document of the payer, the identifier being allocated as a short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance system;
the payments adviser system receiving an upload of the financial document from the payer's computer system at or after the time of the request and storing the financial document against the identifier;
the payments clearance system receiving from the payer's computer system a payment and a payment reference containing or consisting of the identifier which signifies a location to access the financial document;
the payments clearance system sending to the payee's financial institution's computer system a first payment advice containing information from the payer' financial institution including the identifier thereby enabling the payee's financial institution's computer system to create a second payment advice or a bank statement accessible to the payee containing information from the first payment advice, thereby allowing the payee to provide the identifier and access the stored financial document.

### Claim 36 (depends on 35)

The process as claimed in claim 35 in which the payer's computer system supplies security authentication information to the payments adviser computer system.

### Claim 37 (depends on 36)

The process as claimed in claim 36 in which the security authentication information includes at least payment account details of the payee.

### Claim 38 (depends on 35)

The process as claimed in claim 35 in which the payee's computer system uses the identifier to access the financial document.

### Claim 39 (depends on 35)

The process as claimed in claim 35, in which the payee is allowed access to the financial document only on the production of security authentication information to the payments adviser system.

### Claim 40 (depends on 36)

The process as claimed in claim 36, in which the security authentication information comprises the payee's payment account details and the identifier.

### Claim 41 (depends on 36)

The process as claimed in claim 36, in which the security authentication information further comprises at least one of:
the payment date;
the payment amount; and
a secret shared between the payer and payee.

### Claim 42 (depends on 35)

The process as claimed in claim 35, comprising the further step of requiring the payer to register with the payment adviser computer system before requesting an identifier.

### Claim 43 (depends on 42)

The process as claimed in claim 42, in which the payer registration requires the payer to establish a password which is to be used whenever the payer requests a document identifier.

### Claim 44 (depends on 35)

The process as claimed in claim 35, further comprising, before the payer's computer system sends a payment to the payee's computer system through the payments clearance system, the payee's computer system sending, directly or indirectly, by computer, a payee financial document to the payer's computer system.

### Claim 45 (depends on 35)

The process as claimed in claim 35, wherein the process comprises the further steps of:
in response to a request from the payee's computer system, the payments adviser system providing a payee document identifier for the payee financial document, the payee document identifier being allocated a payee short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance system;
the payments adviser system receiving the payee financial document and storing the payee financial document against the payee document identifier;
the payee's computer system sending to the payer's computer system a request for payment and information including the payee document identifier, thereby allowing the payer's computer to send over the internet to the payment adviser system the payee document identifier to access the stored payee financial document.

### Claim 46 (depends on 45)

The process as claimed in claim 45, in which the payee financial document is an invoice.

### Claim 47 (depends on 45)

The process as claimed in claim 45, in which the payer's computer system uses the payee document identifier to access the payee financial document.

### Claim 48 (depends on 45)

The process as claimed in claim 45, in which the payer's computer system is allowed access to the payee financial document only on the production of security authentication information to the payments adviser system.

### Claim 49 (depends on 48)

The process as claimed in claim 48, in which the security authentication information comprises payment account details of the payer and the payee document identifier.

### Claim 50

A computer system for allowing a payer to pay a payee as a financial transaction through a financial institution and providing the payee with means to access a financial document relating to the financial transaction, the system comprising:
a payments adviser computer system remote from the payer's computer system and payee's computer system; and
at least one payments clearance computer system remote from the payer's computer system and payee's computer system;
the payment adviser system being adapted to allocate a document reference code in response to a request from the payer's computer system for the document reference code for a financial document constructed by the payer's computer system, the document reference code being allocated as a short uniform resource identifier (URI) having a character length within an available character limit imposed by the payments clearance system;
the payments adviser system being adapted to receive the financial document from the payer's computer system at or after the time of the request and to store the financial document per the document reference code;
the payments adviser system being further adapted to receive from the payer's computer system (a) payment account details of the payee and (b) security authentication information;
the at least one payments clearance computer system being further adapted to:
debit the payer's financial institution and crediting the payee's financial institution's computer system upon receiving confirmation that a payment instruction has been issued to the payer's financial institution's computer system including the amount to be transferred, the payment account details of the payee and the document reference code and that the payer's financial institution's computer system has processed the payment; and
to provide to the payee a copy of the uploaded financial document via the internet upon being contacted by the payee via the internet using the document reference code.

### Claim 51 (depends on 40)

The computer system as claimed in claim 40 wherein the uploaded copy is provided to the payee only after entry of the security authentication information.

### Claim 52 (depends on 50)

The computer system as claimed in claim 50, wherein the payment adviser computer system originates the document reference code.

### Claim 53 (depends on 50)

The computer system as claimed in claim 50, wherein the available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system is no more than twenty (20) characters.

### Claim 54 (depends on 1)

The process as claimed in claim 1, wherein the available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system is no more than twenty (20) characters.

### Claim 55 (depends on 16)

The computer system as claimed in claim 16, wherein the available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system is no more than twenty (20) characters.

### Claim 56 (depends on 19)

The process system as claimed in claim 19, wherein the available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system is no more than twenty (20) characters.

### Claim 57 (depends on 35)

The process as claimed in claim 35, wherein the available character limit imposed by the payments clearance computer system to be used by the payer's financial institution's computer system is no more than twenty (20) characters.