EP1266328A1 - Refus de paiement pour systeme de facturation electronique - Google Patents

Refus de paiement pour systeme de facturation electronique

Info

Publication number
EP1266328A1
EP1266328A1 EP01916643A EP01916643A EP1266328A1 EP 1266328 A1 EP1266328 A1 EP 1266328A1 EP 01916643 A EP01916643 A EP 01916643A EP 01916643 A EP01916643 A EP 01916643A EP 1266328 A1 EP1266328 A1 EP 1266328A1
Authority
EP
European Patent Office
Prior art keywords
invoice
payment
information
customer
inforaiation
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP01916643A
Other languages
German (de)
English (en)
Other versions
EP1266328A4 (fr
Inventor
Elaine Scott Mason
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Verizon Business Global LLC
Original Assignee
MCI Worldcom Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by MCI Worldcom Inc filed Critical MCI Worldcom Inc
Publication of EP1266328A1 publication Critical patent/EP1266328A1/fr
Publication of EP1266328A4 publication Critical patent/EP1266328A4/fr
Withdrawn legal-status Critical Current

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

Definitions

  • the present invention relates to e-commerce customer-support services, and particularly,
  • telecommunications service enterprises provide capabilities for "on-line" electronic funds transfer (EFT) or public switched telephone network (PSTN) dial-up credit card payment
  • This "e-Billing" system includes a comprehensive software and system infrastructure that
  • the present invention addresses the above stated needs by providing an e-billing system including a disallow payment mechanism that prevents EFT the acceptance of customer payments from those customers having a credit or zero balance. [08] According to one aspect of the invention, there is provided a payment disallow
  • the mechanism for an e-billing system including a computer system accessible for on-line interactive communication of invoices to users.
  • the computer system includes a database for storing customer invoice information, the information including an invoice date and an total invoice
  • the mechanism terminating the payment mechanism and generating a disallow payment message for display to the customer.
  • a method for providing an on-line billing system includes retrieving invoice information corresponding to a customer, displaying the invoice amount via a web browser, receiving an input to initiate
  • a server apparatus for providing an on-line billing system includes a communication interface
  • the server apparatus also includes a processor that is coupled to the communication interface and configured to instruct display of the invoice amount via a web browser, wherein the communication interface receives an input to initiate payment corresponding to the invoice amount.
  • the processor determines whether the invoice amount is at least one of a zero balance and a credit balance, and
  • an e-billing system is provided.
  • billing system includes a database that is configured to store invoice information corresponding to a customer.
  • the system also includes a server that communicates with the database.
  • the server is configured to retrieve the invoice information from the database, and to instruct display of the invoice amount via a web browser. Further, the system includes a client that communicates with the server. The client is configured to run the web browser and to transmit an input to the server to initiate payment corresponding to the invoice amount.
  • server selectively terminates the payment and generates a disallow payment message based upon the determination.
  • a server apparatus for providing
  • the server apparatus includes means for retrieving invoice
  • rrieans for receiving an input to initiate payment corresponding to the invoice amount; means for determining whether the invoice amount is at least one of a zero balance and a credit balance; and means for selectively terminating the payment and generating a disallow payment message based upon the determination.
  • a computer-readable medium carrying one or more sequences of one or more instructions for providing an on-line billing system.
  • the one or more sequences of one or more instructions including instructions which,
  • Figure 1 is a diagram of an e-billing system architecture employing a disallow payment
  • Figure 2 is a diagram of a process for providing on-line customer invoices, according to
  • Figures 3(a) and 3(b) are diagrams of an example electronic bill statement
  • presentment system 200 employed by a third-party for generating on-line invoices, according to
  • Figures 4(a) and 4(b) are diagrams of exemplary web pages providing the users
  • invoice/payment screens including the disallow payment mechanism, according to an embodiment of the present invention.
  • Figure 5 is a diagram of a computer system that performs in accordance with an embodiment of the present invention.
  • e-billing system 100 e.g., the MCIWorldcom Interact system
  • a billing system represented as cloud 110. Relating specifically to e-Billing, a link via
  • a double firewall 125a is provided to interface the billing system 100 with a third-party vendor
  • a file including a customers billing/invoice data is provided by the Billing system (e.g., accounts receivable department) to the third-party system 200 where
  • invoices are available to the enterprise audit department which checks the invoices for format
  • Internet 120 access through the MCI "Interact" web server portal to the suite of web-based
  • Figures 2, 3(a) - 3(c) particularly depict a data flow summary 300 and the invoice
  • a first step 303 depicts generally, the step of providing the customer invoice data to the
  • This information may be
  • provided iri flat format files to the third-party system may comprise softcopy images of the
  • a process is perforaied whereby data is extracted from the enterprise legacy billing system 110 and transported to a common data store maintained by the
  • a billing system 110 may provide bill data to the third party e-billing payment and presentment system 200: by either providing a filtered extract 125 including only those bills destined for electronic delivery, or, they can provide a non-filtered extract 150 that includes all bills. In the latter
  • the third-party system is required to match bill data against an enrollment store 190 as
  • third-party system 200 including, but not limited to: AFP (IBM's Advanced format printing), Line Data, Xerox Metacode, and electronic data interchange (EDI) electronic file fo ⁇ nat.
  • AFP IBM's Advanced format printing
  • Line Data Line Data
  • Xerox Metacode Line Data
  • EDI electronic data interchange
  • the extract has been completed by the billing enterprise 100, the data is then routed to the third-
  • a dedicated communication circuit may be used to route this data to the third party system for high volume billers, or a Value Added Network (VAN) 175 may be implemented as well for receiving the data and routing data to the billing database.
  • VAN Value Added Network
  • EBPP electronic bill presentment and payment
  • customer invoice data has been loaded to the interim data store 180 on the EBPP server 180, it is parsed for loading into a database, e.g., Oracle database 210.
  • a database e.g., Oracle database 210.
  • This process involves several steps, including known processes such as facilitated by BlueGillTM software available from BlueGill Technologies, Inc, the content and disclosure of which is incorporated by reference herein.
  • the raw input file is moved to a working directory that is monitored by a continuously running splitter process 182 in a server.
  • the splitter 182 automatically begins the process of splitting the file
  • splitter parses each statement for key information such as the account number, invoice amount.
  • the splitter process only generates a working file 205 for those statements whose account
  • file 192a and an extract definition file 192b have been previously created
  • the working files 205 are input to a second working directory that is monitored by an
  • extract process 184 continuously running on the server.
  • the extract process begins processing
  • BLOB Binary large object
  • the third-party EBPP server 195 hosts the Oracle
  • the database 210 that warehouses all customer invoice data in a format accessible by the web-server interface.
  • the stored bills include all necerney information to generate a complete invoice for the customer including bill summary, bill detail, and all data elements originally defined in the
  • a method is additionally invoked to apply business rules for determining
  • the primary output mechanism is a web-server interface which services requests from
  • CSP Consolidated Service Provider
  • HTML presentation templates are
  • invoice data includes the EPD discount data, including the amount of the discount and the
  • the third party system informs the audit department of the billing
  • step 318 of the generated on-line invoice is depicted at step 318 and is typically performed manually to
  • the third party system is notified at step 324. If an error is detected in the invoice,
  • the audit department assigns that invoice a
  • third-party system will regenerate the HTML invoice, for further audit approval, e.g., for high
  • server 195 processes requests using the web application that has been developed. More
  • the EBPP server implements the disallow payment of credit balance mechanism
  • HTML web server 250 may be employed by the HTML web server 250.
  • UA Authentication
  • Figure 1 Authentication
  • the interface receives the request, processes the authentication against
  • the web application
  • the invoice data is populated within the HTML template
  • Figure 4(a) illustrates a typical "current" invoice web-based display screen 400 including
  • html frame 402 generated in accordance with the e-billing system described herein. As shown is
  • a bar 401 indicating the current billing period, the name of the account, the invoice date and
  • button 415 selectable by the user is provided to initiate an EFT payment against the invoice.
  • the total outstanding charges 406 indicate a credit balance.
  • Figure 5 illustrates a computer system upon which an embodiment according to the
  • Computer system 501 includes a bus 503 or other
  • Computer system 501 also includes a main memory 507, such as a random access memory (RAM) or other dynamic storage device, coupled to bus 503 for processing the inforaiation.
  • main memory 507 such as a random access memory (RAM) or other dynamic storage device, coupled to bus 503 for RAM.
  • RAM random access memory
  • main memory 505 main memory
  • 507 may be used for storing temporary variables or other intermediate information during
  • Computer system 501 furthermore, executes instructions to be executed by processor 505.
  • ROM read only memory
  • static storage device coupled to bus 503 for
  • a storage device 511 such as a
  • magnetic disk or optical disk is provided and coupled to bus 503 for storing information and
  • Computer system 501 may be coupled via bus 503 to a display 513, such as a cathode ray
  • An input device 515 including
  • alphanumeric and other keys is coupled to bus 503 for communicating information and command selections to processor 505.
  • cursor control 517 Another type of user input device is cursor control 517,
  • the e-billing functions are provided by computer system
  • processor 505 executing one or more sequences of one or more instructions
  • main memory 507 causes processor 505 to perform the process steps
  • processors in a multi-processing arrangement may also be employed to execute the sequences of instructions contained in main memory 507.
  • hard- wired circuitry may be used in place of or in combination with software
  • the functions of the e-billing system may reside on a computer-readable medium.
  • computer-readable medium refers to any medium that participates in
  • Such a medium may take many forms,
  • Non ⁇ including but not limited to, non- volatile media, volatile media, and transmission media.
  • volatile media includes, for example, optical or magnetic disks, such as storage device 511.
  • Volatile media includes dynamic memory, such as main memory 507.
  • Transmission media includes dynamic memory, such as main memory 507.
  • Transmission media can also take the fo ⁇ n of acoustic or light waves, such as those generated
  • Computer-readable media include, for example, a floppy disk, a
  • optical medium punch cards, paper tape, any other physical medium with patterns of holes, a
  • RAM random access memory
  • PROM read-only memory
  • EPROM erasable programmable read-only memory
  • FLASH-EPROM any other memory chip or cartridge, a carrier
  • Various forms of computer readable media may be involved in carrying one or more sequences of one or more instructions to processor 505 for execution.
  • the instructions may initially be carried on a magnetic disk of a remote computer.
  • the remote computer can load the instructions relating to e-billing functions remotely into its dynamic memory and send the instructions over a telephone line using a modem.
  • a modem local to a remote computer can load the instructions relating to e-billing functions remotely into its dynamic memory and send the instructions over a telephone line using a modem.
  • computer system 501 can receive the data on the telephone line and use an infrared transmitter to convert the data to an infrared signal.
  • An infrared detector coupled to bus 503 can receive the
  • Bus 503 carries the data to main memory 507, from which processor 505 retrieves and executes the instructions.
  • main memory 507 may optionally be stored on storage device 511 either before or
  • Computer system 501 also includes a communication interface 519 coupled to bus 503.
  • Communication interface 519 provides a two-way data communication coupling to a network link 521 that is connected to a local network 523.
  • communication interface 519 may be a network interface card to attach to any packet switched local area network (LAN).
  • communication interface 519 may be an asymmetrical digital subscriber line (ADSL) card, an integrated services digital network (ISDN) card or a modem to provide a data communication connection to a corresponding type of telephone line.
  • Wireless links may also be
  • communication interface 519 sends and receives electrical, electromagnetic or optical signals that carry digital data streams representing various types of information.
  • Network link 521 typically provides data communication through one or more networks
  • network link 521 may provide a connection through local network 523 to a host computer 525 or to data equipment operated by a service provider, which provides data communication services through a communication network 527 (e.g., the Internet).
  • LAN 523 and network 527 both use electrical, electromagnetic or optical signals that carry
  • the signals through the various networks and the signals on network link 521 and through communication interface 519, which carry the digital data to and from computer system 501, are exemplary forms of carrier waves transporting the information.
  • Computer system 501 can transmit notifications and receive data, including program code, through the network(s), network link 521 and communication interface 519.

Landscapes

  • Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Accounting & Taxation (AREA)
  • Economics (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Meter Arrangements (AREA)

Abstract

L'invention concerne un mécanisme de refus de paiement pour un système de facturation électronique (100) comprenant un système informatique (200) accessible pour une communication interactive en ligne de factures à des utilisateurs. Le système informatique comprend une base de données destinée à stocker des informations de factures de clients, les informations contenant une date de facture ainsi qu'une somme totale de facture destinée à être présentée audit client pour une interaction en ligne; un mécanisme destiné à entamer un paiement électronique de la somme totale de facture modifiée via le système de facturation électronique, et un mécanisme destiné à déterminer si la somme totale de la facture est un solde nul ou un solde créditeur avant l'exécution du paiement électronique, de manière qu'en réponse à la détermination du solde nul ou créditeur, le mécanisme interrompe le mécanisme de paiement et produise un message de refus de paiement destiné à être présenté au client.
EP01916643A 2000-03-14 2001-03-14 Refus de paiement pour systeme de facturation electronique Withdrawn EP1266328A4 (fr)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US18922500P 2000-03-14 2000-03-14
US189225P 2000-03-14
PCT/US2001/008114 WO2001069502A1 (fr) 2000-03-14 2001-03-14 Refus de paiement pour systeme de facturation electronique

Publications (2)

Publication Number Publication Date
EP1266328A1 true EP1266328A1 (fr) 2002-12-18
EP1266328A4 EP1266328A4 (fr) 2004-06-02

Family

ID=22696464

Family Applications (1)

Application Number Title Priority Date Filing Date
EP01916643A Withdrawn EP1266328A4 (fr) 2000-03-14 2001-03-14 Refus de paiement pour systeme de facturation electronique

Country Status (6)

Country Link
EP (1) EP1266328A4 (fr)
JP (1) JP2003527697A (fr)
AU (1) AU2001243641A1 (fr)
CA (1) CA2402775A1 (fr)
MX (1) MXPA02009038A (fr)
WO (1) WO2001069502A1 (fr)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA3046145A1 (fr) 2016-12-08 2018-06-14 Bayer Cropscience Aktiengesellschaft Utilisation d'insecticides pour lutter contre les vers fil de fer

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5832460A (en) * 1995-06-02 1998-11-03 International Business Machines Corporation Method and system for bill presentation and payment reconciliation
WO1998058339A1 (fr) * 1997-06-17 1998-12-23 Citibank, N.A. Procede et systeme nouveaux pour un paiement des factures ameliore
WO1999013421A2 (fr) * 1997-09-09 1999-03-18 Microsoft Corporation Systeme et procede de gestion et de paiement de releves de facturation electroniques bases sur le consommateur

Family Cites Families (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5649117A (en) * 1994-06-03 1997-07-15 Midwest Payment Systems System and method for paying bills and other obligations including selective payor and payee controls
US5699528A (en) * 1995-10-31 1997-12-16 Mastercard International, Inc. System and method for bill delivery and payment over a communications network
FR2745970B1 (fr) * 1996-03-07 1998-08-07 France Telecom Procede de prepaiement de consommation de communications telephoniques
US5884288A (en) * 1996-07-01 1999-03-16 Sun Microsystems, Inc. Method and system for electronic bill payment
EP2028614A3 (fr) * 1996-10-09 2010-01-06 Visa International Service Association Système de présentation de déclarations électroniques
US5903881A (en) * 1997-06-05 1999-05-11 Intuit, Inc. Personal online banking with integrated online statement and checkbook user interface
US5978780A (en) * 1997-11-21 1999-11-02 Craig Michael Watson Integrated bill consolidation, payment aggregation, and settlement system

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5832460A (en) * 1995-06-02 1998-11-03 International Business Machines Corporation Method and system for bill presentation and payment reconciliation
WO1998058339A1 (fr) * 1997-06-17 1998-12-23 Citibank, N.A. Procede et systeme nouveaux pour un paiement des factures ameliore
WO1999013421A2 (fr) * 1997-09-09 1999-03-18 Microsoft Corporation Systeme et procede de gestion et de paiement de releves de facturation electroniques bases sur le consommateur

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of WO0169502A1 *

Also Published As

Publication number Publication date
EP1266328A4 (fr) 2004-06-02
WO2001069502A9 (fr) 2003-01-16
CA2402775A1 (fr) 2001-09-20
JP2003527697A (ja) 2003-09-16
AU2001243641A1 (en) 2001-09-24
MXPA02009038A (es) 2003-06-24
WO2001069502A1 (fr) 2001-09-20

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