Payments Using Electronic Documents
OwnerJoon Maeng, Shivakumar Doddi +1inventors
InventorsJoon Maeng, Shivakumar Doddi, Ramanathan Ramanathan
Life of this patent
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Abstract
An example method for processing an electronic statement includes: receiving a biller identifier, the biller identifier being known to a payer; populating the biller identifier in the electronic statement, the electronic statement being an electronic document including financial information; encrypting the electronic statement including the biller identifier; sending the encrypted electronic statement including the biller identifier to the payer; and receiving authorization from the payer to make a payment identified in the electronic statement.
Claims12
A method for processing an electronic statement, the method comprising:
- receiving a biller identifier from a payer prior to generating the electronic statement, the biller identifier being created by the payer and being unique for use in the electronic statement;
- generating, by a computing device, the electronic statement, the electronic statement being an electronic document including financial information;
- populating, by the computing device, the biller identifier in the electronic statement;
- encrypting, by the computing device, the electronic statement including the biller identifier;
- sending, by the computing device, the encrypted electronic statement including the biller identifier to the payer;
- receiving authorization from the payer to make a payment identified in the electronic statement;
- requiring a new biller identifier for each subsequent electronic statement, with the new biller identifier being different from the biller identifier;
- generating, by the computing device, a new electronic statement;
- and
- populating, by the computing device, the new biller identifier in the new electronic statement.
(canceled)
11-19. (canceled)
A method for processing an electronic statement, the method comprising:
- receiving a biller identifier from a payer prior to generating the electronic statement, the biller identifier being a string of characters created by the payer and being unique for use in the electronic statement;
- forming, by a computing device, the electronic statement in a portable document format, the electronic statement being an electronic document being one of a credit card statement and an invoice;
- populating, by the computing device, the biller identifier in the electronic statement, the biller identifier being displayed in a readable format on the electronic statement;
- encrypting, by the computing device, the electronic statement including the biller identifier;
- sending, by the computing device, the encrypted electronic statement including the biller identifier to the payer;
- receiving authorization from the payer to make a payment identified in the electronic statement;
- requiring a new biller identifier for each subsequent electronic statement, with the new biller identifier being different from the biller identifier;
- forming, by the computing device, a new electronic statement;
- and
- populating, by the computing device, the new biller identifier in the new electronic statement.
Dependencies are inferred from the claim text.