EP1338998A2 - Communication post-transaction avec facturation et articles de crédit via les pages d'une interface de consultation sur le réseau - Google Patents

Communication post-transaction avec facturation et articles de crédit via les pages d'une interface de consultation sur le réseau Download PDF

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Publication number
EP1338998A2
EP1338998A2 EP02007124A EP02007124A EP1338998A2 EP 1338998 A2 EP1338998 A2 EP 1338998A2 EP 02007124 A EP02007124 A EP 02007124A EP 02007124 A EP02007124 A EP 02007124A EP 1338998 A2 EP1338998 A2 EP 1338998A2
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EP
European Patent Office
Prior art keywords
computer
credit
invoice
items
page
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Withdrawn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
EP02007124A
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German (de)
English (en)
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EP1338998A3 (fr
Inventor
Thomas Müller
Jürgen Köhling
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.)
SAP SE
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SAP SE
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Filing date
Publication date
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Priority to EP02007124A priority Critical patent/EP1338998A3/fr
Priority to US10/400,579 priority patent/US20030217013A1/en
Publication of EP1338998A2 publication Critical patent/EP1338998A2/fr
Publication of EP1338998A3 publication Critical patent/EP1338998A3/fr
Withdrawn legal-status Critical Current

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    • 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 generally relates to data processing and, more particularly, relates to computer systems, computer programs, and methods that support financial transactions via browser pages.
  • Service providers i.e. private companies or governmental organizations
  • Self-service scenarios are convenience and cost saving not only for the provider, but also for the customer. For example, the customer can review invoice or bank accounts that are presented by a browser interpreting a page.
  • the present invention relates to a method for processing data from an electronic financial transaction with invoice items and credit items.
  • the method comprises: by a first computer, providing a page with a plurality of representations of monetary amounts relating to the invoice items and credit items and with instructions, sending the page to a second computer; by the second computer, interpreting the instructions by a browser for receiving a list selection from a user, and - according to the selection - displaying a list with invoice items and credit items.
  • the list selection is selected from the group of: open invoices, paid invoices, used credits, open credits, payments per item, and payments per pay date.
  • providing the page comprises to add representations of monetary amounts of invoice items and credit items obtained from a response being sent prior to performing the financial transaction from the second computer to the first computer.
  • providing the page comprises to add representations of any of the following amounts: entry invoice amount, modified invoice amount, entry credit amount, modified credit amount, payment amount.
  • providing the page comprises to distinguish representations of amounts into open amounts and residual amounts.
  • providing the page comprises to provide a page in markup language.
  • sending the page comprises to sent the page via a network that operates according to an Internet protocol.
  • displaying the list comprises to calculate sum amounts according to predefined rules from the representations in the page.
  • displaying further comprises any from the group of: splitting amounts into partial amounts; indicating transaction dates; introducing warnings to unpaid items; listing residual invoice and credit items; calculating credit amounts during selection so that the user sees potential benefits; calculating payment amount in the first computer in parallel to the second computer to inform the user; displaying due dates; displaying available dates; simulating bank statements; and searching items according to predefined criteria.
  • the invention also relates to a computer program product with program code means for causing a processor to perform all the steps of the method as well as to a computer system with processor means to execute the method.
  • Computers 900-902 are coupled via inter-computer network 990.
  • Computer 900 comprises processor 910, memory 920, bus 930, and, optionally, input device 940 and output device 950 (I/O devices, user interface 960).
  • the invention is present by computer program product 100 (CPP), program carrier 970 and program signal 980, collectively "program”.
  • computer 901/902 is sometimes referred to as "remote computer", computer 901/902 is, for example, a server, a router, a peer device or other common network node, and typically comprises many or all of the elements described relative to computer 900.
  • Computer 900 is, for example, a conventional personal computer (PC), a desktop and hand-held device, a multiprocessor computer, a pen computer, a microprocessor-based or programmable consumer electronics, a minicomputer, a mainframe computer, a personal mobile computing device, a mobile phone, a portable or stationary personal computer, a palmtop computer or the like.
  • PC personal computer
  • desktop and hand-held device a multiprocessor computer
  • pen computer a microprocessor-based or programmable consumer electronics
  • minicomputer a mainframe computer
  • a personal mobile computing device a mobile phone
  • portable or stationary personal computer a palmtop computer or the like.
  • Processor 910 is, for example, a central processing unit (CPU), a micro-controller unit (MCU), digital signal processor (DSP), or the like.
  • CPU central processing unit
  • MCU micro-controller unit
  • DSP digital signal processor
  • Memory 920 symbolizes elements that temporarily or permanently store data and instructions. Although memory 920 is conveniently illustrated as part of computer 900, memory function can also be implemented in network 990, in computers 901/902 and in processor 910 itself (e.g., cache, register), or elsewhere. Memory 920 can be a read only memory (ROM), a random access memory (RAM), or a memory with other access options.
  • ROM read only memory
  • RAM random access memory
  • Memory 920 is physically implemented by computer-readable media, such as, for example: (a) magnetic media, like a hard disk, a floppy disk, or other magnetic disk, a tape, a cassette tape; (b) optical media, like optical disk (CD-ROM, digital versatile disk - DVD); (c) semiconductor media, like DRAM, SRAM, EPROM, EEPROM, memory stick, or by any other media, like paper.
  • computer-readable media such as, for example: (a) magnetic media, like a hard disk, a floppy disk, or other magnetic disk, a tape, a cassette tape; (b) optical media, like optical disk (CD-ROM, digital versatile disk - DVD); (c) semiconductor media, like DRAM, SRAM, EPROM, EEPROM, memory stick, or by any other media, like paper.
  • memory 920 is distributed across different media. Portions of memory 920 can be removable or non-removable.
  • computer 900 uses devices well known in the art such as, for example, disk drives, tape drives.
  • Memory 920 stores support modules such as, for example, a basic input output system (BIOS), an operating system (OS), a program library, a compiler, an interpreter, and a text- processing tool.
  • support modules are commercially available and can be installed on computer 900 by those of skill in the art. For simplicity, these modules are not illustrated.
  • CPP 100 comprises program instructions and - optionally - data that cause processor 910 to execute method steps of the present invention. Method steps are explained with more detail below.
  • CPP 100 defines the operation of computer 900 and its interaction in network system 999.
  • CPP 100 can be available as source code in any programming language, and as object code ("binary code") in a compiled form.
  • Persons of skill in the art can use CPP 100 in connection with any of the above support modules (e.g., compiler, interpreter, operating system).
  • CPP 100 is illustrated as being stored in memory 920, CPP 100 can be located elsewhere. CPP 100 can also be embodied in carrier 970.
  • Carrier 970 is illustrated outside computer 900. For communicating CPP 100 to computer 900, carrier 970 is conveniently inserted into input device 940. Carrier 970 is implemented as any computer readable medium, such as a medium largely explained above (cf. memory 920). Generally, carrier 970 is an article of manufacture comprising a computer readable medium having computer readable program code means embodied therein for executing the method of the present invention. Further, program signal 980 can also embody computer program 100. Signal 980 travels on network 990 to computer 900.
  • program carrier 970 Having described CPP 100, program carrier 970, and program signal 980 in connection with computer 900 is convenient.
  • program carrier 971/972 (not shown) and program signal 981/982 embody computer program product (CPP) 101/102 to be executed by processor 911/912 (not shown) in computers 901/902, respectively.
  • processor 911/912 (not shown) in computers 901/902, respectively.
  • Input device 940 symbolizes a device that provides data and instructions for processing by computer 900.
  • device 940 is a keyboard, a pointing device (e.g., mouse, trackball, cursor direction keys), microphone, joystick, game pad, scanner, disk drive.
  • a wireless receiver e.g., with satellite dish or terrestrial antenna
  • a sensor e.g., a thermometer
  • a counter e.g., goods counter in a factory.
  • Input device 940 can serve to read carrier 970.
  • Output device 950 symbolizes a device that presents instructions and data that have been processed.
  • a monitor or a display (cathode ray tube (CRT), flat panel display, liquid crystal display (LCD), speaker, printer, plotter, vibration alert device.
  • CTR cathode ray tube
  • LCD liquid crystal display
  • speaker printer
  • vibration alert device Similar as above, output device 950 communicates with the user, but it can also communicate with further computers.
  • Input device 940 and output device 950 can be combined to a single device; any device 940 and 950 can be provided optional.
  • Bus 930 and network 990 provide logical and physical connections by conveying instruction and data signals. While connections inside computer 900 are conveniently referred to as “bus 930", connections between computers 900-902 are referred to as “network 990". Optionally, network 990 comprises gateways being computers that specialize in data transmission and protocol conversion.
  • Devices 940 and 950 are coupled to computer 900 by bus 930 (as illustrated) or by network 990 (optional). While the signals inside computer 900 are mostly electrical signals, the signals in network are electrical, magnetic, optical or wireless (radio) signals.
  • Networking environments are commonplace in offices, enterprise-wide computer networks, intranets and the internet (i.e. world wide web). The physical distance between a remote computer and computer 900 is not important.
  • Network 990 can be a wired or a wireless network.
  • network 990 is, for example, a local area network (LAN), a wide area network (WAN), a public switched telephone network (PSTN); a Integrated Services Digital Network (ISDN), an infra-red (IR) link, a radio link, like Universal Mobile Telecommunications System (UMTS), Global System for Mobile Communication (GSM), Code Division Multiple Access (CDMA), or satellite link.
  • LAN local area network
  • WAN wide area network
  • PSTN public switched telephone network
  • ISDN Integrated Services Digital Network
  • IR infra-red
  • radio link like Universal Mobile Telecommunications System (UMTS), Global System for Mobile Communication (GSM), Code Division Multiple Access (CDMA), or satellite link.
  • UMTS Universal Mobile Telecommunications System
  • GSM Global System for
  • Transmission protocols and data formats are known, for example, as transmission control protocol/internet protocol (TCP/IP), hyper text transfer protocol (HTTP), secure HTTP, wireless application protocol, unique resource locator (URL), a unique resource identifier (URI), hyper text markup language HTML, extensible markup language (XML), extensible hyper text markup language (XHTML), wireless application markup language (WML), Standard Generalized Markup Language (SGML) etc.
  • TCP/IP transmission control protocol/internet protocol
  • HTTP hyper text transfer protocol
  • HTTP secure HTTP
  • wireless application protocol unique resource locator
  • URL unique resource locator
  • URI unique resource identifier
  • hyper text markup language HTML extensible markup language
  • XML extensible markup language
  • XHTML extensible hyper text markup language
  • WML wireless application markup language
  • An interface can be, for example, a serial port interface, a parallel port interface, a game port, a universal serial bus (USB) interface, an internal or external modem, a video adapter, or a sound card.
  • USB universal serial bus
  • FIG. 2 illustrates an overview about the system environment for using the invention. For convenience of explanation, the following conventions are made:
  • the computers of FIG. 1 are conveniently classified into provider computer 900, account computer 901 and customer computer 902. This classification is convenient for explanation; computers 900 and 901 can be combined as well; or computer functions can be distributed to further computers.
  • provider computer 900 forwards invoice and credit information (I/C INFO) to account computer 901.
  • I/C INFO invoice and credit information
  • Transaction 600 has now been prepared according to first method (cf. FIG. 3, 400) of the present invention, so that account computer 901 performs transaction 600 by deducting P (e.g. 15 ) from customer account 601 (C/A) and adding P to provider account 602 (P/A).
  • P e.g. 15
  • the browser uses the instructions in portion 220 (of page 200) to include a selection representation into response 250.
  • the selection representation indicates the selected invoice item (e.g., BETA) and the selected credit item (e.g., CREDIT). Calculating P is shifted to computer 901.
  • FIG. 2 is also convenient to illustrate other conventions:
  • An invoice list is a statement that is made available by provider 01 to customer 03 and that lists invoice items (e.g., "ALPHA 10 ", "BETA 20 ").
  • the invoice list is illustrated as presented to the user (on screen 952).
  • An invoice item generally is a representation of at least a particular service together with a corresponding monetary amount (e.g., service ALPHA and amount 10 ).
  • a credit list is a statement that is made available by provider 01 to customer 03 and that lists credit items.
  • a credit item is a representation of a monetary amount that the provider credits to the customer for a particular action (e.g., 5 for overpayment).
  • An invoice/credit list is a combination of invoice and credit lists for simultaneous presentation to the user (cf. FIG. 2).
  • Euro ( ) is the exemplary currency used for explanation herein. Cents are conveniently not illustrated but can be added by those of skill in the art.
  • the sum credit amount ( ⁇ C) is the sum amount of all credit items (e.g., 5 ).
  • the credit amount (C) is the amount of the selected credit items.
  • a selector is an interactive screen element presented by customer computer 902 to the user.
  • FIG. 2 symbolizes selectors by check boxes. Persons of skill in the art can implement the selectors otherwise, such as by radio buttons, input fields, or by keys.
  • FIG. 2 there are 2 invoice selectors for selecting an invoice item (e.g. only BETA selected) and a credit selector for selecting credit item (e.g., CREDIT 5 selected).
  • browser-page stands for any document with browser readable language (i.e. markup language, script language, e.g., HTML, XML, Java, JavaScript).
  • browser presentation collectively stands for lists, amount indicators, selectors or the like that the browser displays on screen 952 to the user based on page 200 with portions 210/220.
  • FIG. 3 illustrates a simplified flow chart diagram of method 400 of the present invention.
  • Method 400 is a method for preparing an electronic financial transaction, wherein prior to preparing the transaction, first computer 900 of provider 01 forwards invoice and credit (I/C) information to second computer 901 of account institution 02, and wherein after preparing, second computer 901 performs the transaction by deducting a payment amount (P) from customer account 601 to provider account 602 is characterized in that preparing comprises:
  • FIG. 4 illustrates an overview about the system environment while presenting results of the electronic financial transaction. Illustrated are account computer 901 (transaction 600, I/C) and customer computer 902, page 300 with first portion 310 (representations of monetary amounts) and second portion 320 (instructions), as well as screen 952 with selector and lists.
  • account computer 901 transaction 600, I/C
  • customer computer 902 page 300 with first portion 310 (representations of monetary amounts) and second portion 320 (instructions), as well as screen 952 with selector and lists.
  • FIG. 5 illustrates a simplified flowchart diagram of method 500 for processing data from electronic financial transaction (600) with invoice items (I) and credit items (C).
  • method relates to post-processing transaction 600.
  • Computer 901 performs step providing 510 page 300 (cf. FIG. 4) with a plurality of representations of monetary amounts relating to the invoice items and credit items (portion 310) and with instructions (portion 320), step sending 520 page 300 to computer 902.
  • Computer 902 interprets the instructions by a browser to perform step receiving 530 a list selection from the user, and - according to the selection - displaying 540 a list with invoice items and credit items.
  • FIG. 6 illustrates a classification for monetary amounts. As indicated in columns, amounts are classified into amount types:
  • Provider 01 communicates I and C (i.e. I/C information) to account institution 02; account institution 02 communicates I and C to customer 03. Customer 03 communicates P to account institution 02 for payment to provider 01 during the transaction.
  • I and C are part of page 200/300, and - implicit or explicit - P is part of response 250 (optionally of page 300).
  • entry amount (E) is the amount in I/C information of page 200 sent from computer 901 to computer 902 (e.g., 10 , 20 and 5 for ALPHA, BETA, CREDIT, respectively).
  • Modified amount (M) is the amount derived from E by user interaction in computer 902.
  • Delta amount (D) is the arithmetic difference between entry amount E and modified amount M:
  • Modified amount (M) is also distinguished for I, C and P:
  • Delta amounts are calculated in computer 902 (e.g., by code in portion 220 of page 200) or in computer 901.
  • D and M can be replaced.
  • the explanation refers to M only (cf. examples in response 250).
  • a sum payment amount is defined as:
  • M, N and Q are equal.
  • M, N and Q are not necessarily equal.
  • the number Q of payments is determined by a number of (m,n) pairs. Details are explained in connection with FIGS. 8-9.
  • entry amounts (E) are split into portions for consecutive transactions.
  • an invoice amount (I) is open (O) ("unpaid") as long as a first transaction is not yet completed.
  • a residual (R) amount becomes the entry amount (E).
  • open and residual amounts are distinguished by superscript O and R. The distinction is made for I and C.
  • the amount classification remains hidden from the user.
  • FIG. 7 illustrates computers 901 and 902 with program code ("CODE") for executing methods 400 and 500.
  • the code is part of CPP 101 and 102 in computers 901 and 902, respectively.
  • CPP 102 is communicated to computer 902 from computer 901, for example, in portion 220 of page 200.
  • Java script, java applets or other browser interpretable code is advantageously used in computer 902. Calculation steps, for example, to calculate P, are performed either by computer 901 alone, by computer 902 alone, or by computers 901 and 902 in combination.
  • a business rule is any predefined rule for calculating P, for example, the one-to-one rule with P being the difference between invoice amount I and credit amount C.
  • This one-to-one rule can be applied to the classification of FIG. 6, for example:
  • a rule for calculating credit is, for example:
  • a rule for calculating modified amount is, for example:
  • FIGS. 8-9 illustrates an overview about the invoice-to-credit assignment feature.
  • P I - C (one-to-one rule).
  • the plurality of (m,n) indices forms an assignment vector.
  • the button row indicates sum amounts ⁇ I, ⁇ P and ⁇ C.
  • Both figures conveniently use the same exemplary amounts: 20 , 10 , 40 and 30 as I (invoice) and 30 , 10 , 20 and 20 as C (credit).
  • the assignments are classified into symmetric assignment with P(q) (FIG. 8) and asymmetric assignment with P(m,n) (FIG. 9).
  • the assignment vector is
  • the assignment vector (e.g., either of FIG. 8 or 9) is conveniently communicated from computer 902 to computer 901 in response 250.
  • the assignment is determined through user interaction.
  • the following description refers to FIG. 9 under the assumption that 4 screens with checkboxes are displayed one after the other.
  • amounts are displayed to the user next to the checkboxes.
  • Modifying the amount according is optional (modification feature, E to M).
  • the screen could have input fields to invite the user to alter entry invoice amounts (EI) to modified invoice amounts (MI).
  • FIG. 10 illustrates an overview over consecutive executions of method 400, transaction 600, and method 500.
  • MARCH, APRIL, MAY, JUNE, JULY, AUGUST and subscripts 3, 4, 5, 6, 7, 8, respectively, indicate consecutive time points of method execution.
  • Page 200 has EI(%) (entry invoice amounts) and EC(%) (entry credit amounts) corresponding to the service (by provider 01). Both EI(%) and EC(%) can be open (O) or residual (R).
  • Response 250 has MI(%) (modified invoice amounts) and MC(That%) (modified credit amounts).
  • Page 300 has amounts to be presented, such as payments amounts P(%) .
  • Method 500 can be executed at any time point; the illustration at AUGUST is a convenient example.
  • FIG. 11 illustrates illustration conventions for FIGS. 12-21.
  • FIGS. 12-16 represent repetitions of method 400 from MARCH to JULY. Illustrated are (list feature)
  • An EIL becomes a MIL when the user modifies at least one invoice amount; an ECL becomes a MCL when the user modifies at least one credit amount (modification feature).
  • EIL and ECL are preferably presented simultaneously; MIL and MCL are also preferably presented simultaneously.
  • items are automatically selected if the user modifies the amount of the item.
  • the order in time of modifying (EI to MI, EC to MC) and of selecting is not important.
  • P payment amount
  • BL is presented to determine the preferred payment instrument (multiple instrument feature).
  • EIL/ECL EIL/ECL
  • MIL/MCL MIL/MCL
  • BL BL
  • Texts are presented to assist the user, for example by:
  • Text is accompanied by amounts (EI, EC, MI, MC, ⁇ ).
  • amounts EI, EC, MI, MC, ⁇ .
  • sum amounts and payment amounts for display on screen 952 are calculated by computer 902. (Amounts for transaction 600 are optionally calculated by computer 901.)
  • FIG. 12 illustrates MARCH.
  • Customer 03 using BANK X partially pays for Jan and Feb services. In other words, customer 03 pays less than required.
  • FIG. 13 illustrates APRIL.
  • customer 03 completely pays the residual amounts for Jan and Feb services, partially pays for Mar service. Again, customer 03 pays less than required.
  • FIG. 14 illustrates MAY. Using BANK X, customer 03 completely pays the residual amount for Mar service and overpays for Apr service.
  • FIG. 15 illustrates JUNE. Using BANK X and credit from overpayment (Apr service), customer 03 partially pays for May service. Customer 03 pays less than required.
  • FIG. 16 illustrates JULY. Still using credit from overpayment (Apr service), customer 03 completely pays the residual for May service and partially pays for Jun service. Customer 03 pays less than required.
  • FIGS. 17-23 illustrate execution of method 500 in AUGUST.
  • FIG. 17 illustrates a list selector, for example, register cards with tab for invoice items, credit items, or payment overviews.
  • the user is invited to select any list (cf. step 530 receiving list selection) for example:
  • step 540 Information needed to provide the lists are forwarded in page 300 (step sending page) from computer 901 to computer 902.
  • step 540 the lists are displayed as follows.
  • FIG. 18 illustrates OIL (open invoice list) listing invoice items for that payment by customer 03 is outstanding ("My Open Bills”):
  • FIG. 18 illustrates PIL (paid invoice list) listing invoice items for that customer 03 has already paid. For services Jan to May:
  • the amount for unpaid service Jun is not illustrated.
  • FIG. 20 illustrates used CL (credit list) listing credit items that customer 03 has acquired and used.
  • credit was calculated as:
  • FIG. 21 illustrates open credits, i.e. credits that are still available. In the example, all credit was used. Convenient is the indication of
  • FIG. 22 illustrates an overview about payments made between MARCH and JULY. Columns indicate
  • sorting schemes are provided so that the user can, for example, sort the overview according to pay date (e.g., ascending from MARCH), BANK, amounts (e.g., starting with the largest) or the like.
  • FIG. 23 illustrates an overview about payments organized according to pay date from MARCH to JULY. In other words, the figure informs about transactions 600 that have followed method 400.
  • the figures indicates also optionally indicates items, bank, amount per item, and sum amounts.
  • buttons or other browser control means For such extra functionality, persons of skill in the art can add action control buttons or other browser control means.

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  • Accounting & Taxation (AREA)
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EP02007124A 2002-02-15 2002-03-28 Communication post-transaction avec facturation et articles de crédit via les pages d'une interface de consultation sur le réseau Withdrawn EP1338998A3 (fr)

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Application Number Priority Date Filing Date Title
EP02007124A EP1338998A3 (fr) 2002-02-15 2002-03-28 Communication post-transaction avec facturation et articles de crédit via les pages d'une interface de consultation sur le réseau
US10/400,579 US20030217013A1 (en) 2002-03-28 2003-03-28 Post-transaction communication with invoice items and credit items via page

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EP02003545 2002-02-15
EP02003545 2002-02-15
EP02007124A EP1338998A3 (fr) 2002-02-15 2002-03-28 Communication post-transaction avec facturation et articles de crédit via les pages d'une interface de consultation sur le réseau

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10282712B2 (en) 2013-02-07 2019-05-07 Jpmorgan Chase Bank, N.A. Integrated electronic disbursement and cash flow management system and method
US10387858B2 (en) 2013-02-07 2019-08-20 Jpmorgan Chase Bank, N.A. Integrated electronic cash flow management system and method

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0745947A2 (fr) * 1995-06-02 1996-12-04 International Business Machines Corporation Méthode et système pour la présentation de notes et pour la réconciliation des priements
WO1997016798A1 (fr) * 1995-10-31 1997-05-09 Mastercard International, Inc. Systeme et procede de remise de facture et de reglement via un reseau de communications
US5956709A (en) * 1997-07-28 1999-09-21 Xue; Yansheng Dynamic data assembling on internet client side
US5963925A (en) * 1996-10-09 1999-10-05 Visa International Service Association Electronic statement presentment system
WO2001041020A1 (fr) * 1999-12-03 2001-06-07 Bottomline Technologies, Inc. Systeme de facturation et de paiement base serveur
US20020019808A1 (en) * 2000-01-12 2002-02-14 Dushyant Sharma Integrated systems for electronic bill presentment and payment

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0745947A2 (fr) * 1995-06-02 1996-12-04 International Business Machines Corporation Méthode et système pour la présentation de notes et pour la réconciliation des priements
WO1997016798A1 (fr) * 1995-10-31 1997-05-09 Mastercard International, Inc. Systeme et procede de remise de facture et de reglement via un reseau de communications
US5963925A (en) * 1996-10-09 1999-10-05 Visa International Service Association Electronic statement presentment system
US5956709A (en) * 1997-07-28 1999-09-21 Xue; Yansheng Dynamic data assembling on internet client side
WO2001041020A1 (fr) * 1999-12-03 2001-06-07 Bottomline Technologies, Inc. Systeme de facturation et de paiement base serveur
US20020019808A1 (en) * 2000-01-12 2002-02-14 Dushyant Sharma Integrated systems for electronic bill presentment and payment

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10282712B2 (en) 2013-02-07 2019-05-07 Jpmorgan Chase Bank, N.A. Integrated electronic disbursement and cash flow management system and method
US10387858B2 (en) 2013-02-07 2019-08-20 Jpmorgan Chase Bank, N.A. Integrated electronic cash flow management system and method

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