WO2000058876A1 - Systeme de paiement de facture electronique - Google Patents

Systeme de paiement de facture electronique Download PDF

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Publication number
WO2000058876A1
WO2000058876A1 PCT/CA2000/000317 CA0000317W WO0058876A1 WO 2000058876 A1 WO2000058876 A1 WO 2000058876A1 CA 0000317 W CA0000317 W CA 0000317W WO 0058876 A1 WO0058876 A1 WO 0058876A1
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WO
WIPO (PCT)
Prior art keywords
electronic
invoice
payment
financial instrument
settlement
Prior art date
Application number
PCT/CA2000/000317
Other languages
English (en)
Inventor
William E. Wallace
Jim F. Akister
Patrick C. Pavlik
Peter A. Forde
Pavel I. Lopin
Wei Xiong
Original Assignee
Rdm Corporation
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 Rdm Corporation filed Critical Rdm Corporation
Priority to AU35459/00A priority Critical patent/AU3545900A/en
Publication of WO2000058876A1 publication Critical patent/WO2000058876A1/fr

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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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems

Definitions

  • the present invention relates to an electronic funds transfer system.
  • the present invention relates to a method and system for electronic invoice payment.
  • the Financial Services Technology Consortium (US 5,677,955) has developed an electronic funds transfer instrument (electronic cheque) as a venue for electronic bill payment.
  • the electronic cheque is generated on a computer-based system, and specifies the name of the recipient and the monetary sum to be paid to the recipient.
  • the electronic cheque also includes the bank account number of the payer and the bank routing number of the payer's bank.
  • the electronic cheque is then digitally signed with the payer's private encryption key, and then transmitted electronically to the recipient.
  • the received electronic cheque is then digitally endorsed with the recipient's digital signature and then transmitted electronically to the recipient's bank for clearance.
  • This approach is advantageous in that it limits the consumer's exposure to fraud.
  • the invoice is provided to the consumer by postal mail, this approach does not appreciably expedite the transfer of funds from the consumer to the recipient institution.
  • the infrastructure for the processing of electronic checks is not sufficiently well established to make widespread use of this approach immediately viable.
  • the electronic invoice payment system facilitates invoice payment over a network, and includes a settlement processor, an electronic invoice transmitter, an electronic invoice receiver, and an electronic payment processor.
  • the settlement processor generates an electronic invoice in accordance with a debt owed.
  • the invoice transmitter is in communication with the settlement processor for electronically transmitting the invoice over a network.
  • the invoice receiver is configured for receiving the electronic invoice over the network.
  • the payment processor is in communication with the invoice receiver and provides an electronic financial instrument for payment of the received invoice.
  • the method of electronic invoice payment includes the steps of: providing an electronic invoice for payment to a payment recipient, the invoice including a settlement amount; transmitting the invoice to a recipient network location for receipt by a target recipient; the target recipient deriving from the received invoice an electronic financial instrument, the financial instrument being derived in accordance with the settlement amount; and transmitting the financial instrument to a payment network location for settlement of the received invoice.
  • an electronic invoice payment device for paying an electronic invoice over a network.
  • the electronic invoice payment device includes an electronic invoice receiver, an electronic payment processor, and a document transmitter.
  • the invoice receiver is configured for receiving over the network from a payment recipient an electronic invoice which includes a settlement amount.
  • the payment processor is in communication with the invoice receiver and provides an electronic financial instrument, the financial instrument being derived in accordance with the settlement amount.
  • the document transmitter is in communication with the payment processor and transmits the financial instrument over the network for affecting payment of the received invoice.
  • a method for paying an electronic invoice over a network which includes the steps of: receiving over a network from a payment recipient an electronic invoice for payment, the invoice including a settlement amount; deriving from the received invoice an electronic financial instrument, the financial instrument being derived in accordance with the settlement amount; and transmitting over the network to the payment recipient the financial instrument for settlement of the received invoice.
  • an electronic payment receiving device for receiving payment over a network for an electronic invoice.
  • the electronic payment receiving device includes an electronic invoice transmitter, a document receiver, a settlement processor, and a document transmitter.
  • the electronic invoice transmitter is configured for transmitting over the network to a target recipient an electronic invoice, the invoice including a settlement amount.
  • the document receiver is provided to receive over the network from the target recipient an electronic financial instrument, the financial instrument including payment terms.
  • the settlement processor is in communication with the invoice transmitter and the document receiver, and provides the invoice transmitter with the invoice and correlates the received financial instrument with the transmitted invoice.
  • the document transmitter is in communication with the settlement processor and transmits the correlated financial instrument to a financial institution for affecting payment of the transmitted invoice.
  • a method for obtaining payment over a network for an electronic invoice which includes the steps of:
  • an electronic payment server for facilitating settlement of an electronic financial instrument.
  • the electronic payment server includes a financial instrument receiver, a settlement processor, and a transmitter.
  • the financial instrument receiver is configured for receiving an electronic financial instrument for settlement, the financial instrument including settlement terms.
  • the settlement processor is in communication with the financial instrument receiver to obtain a validity indication of the received financial instrument.
  • the transmitter is configured for communication with a financial institution clearance house for providing the clearance house with the settlement terms for effecting settlement.
  • Fig. 1 is a schematic view of the electronic invoice payment system, according to a first aspect of the present invention, depicting the electronic invoice transmitter, the electronic invoice receiver, and the electronic payment processor;
  • Fig. 2 is a schematic view of an electronic invoice receiving device for receiving payment for an electronic invoice over a network, according to a second aspect of the present invention, depicting the electronic invoice transmitter, the document receiver, the settlement processor, and the document transmitter;
  • Fig. 3 is a schematic view of an electronic invoice payment device for paying an electronic invoice over a network, according to a third aspect of the present invention, depicting the electronic invoice receiver, the electronic payment processor, and the document transmitter;
  • Fig. 4 is a schematic view of an electronic financial instrument settlement server for facilitating settlement of an electronic financial instrument between financial institutions, according to a fourth aspect of the present invention, depicting the financial instrument receiver, the settlement preprocessor, and the financial instrument transmitter.
  • FIG. 1 an electronic invoice payment system, denoted generally as
  • the electronic invoice payment system 100 is shown comprising a settlement processor 102, an electronic invoice transmitter 104, an electronic invoice receiver 106, and an electronic payment processor 108.
  • the electronic invoice payment system 100 also includes an electronic document transmitter 110, an electronic document receiver 112, and a communications network 1 14 interconnecting the invoice transmitter 104, the invoice receiver 106, the document transmitter 110, and the document receiver 112 for facilitating communications between the settlement processor 102 and the payment processor 108.
  • the electronic invoice payment system 100 includes an electronic settlement transmitter 116 and a clearance processor 1 18 in communication over the communications network 1 14 for affecting settlement with a financial institution.
  • the electronic invoice payment system 100 includes a plurality of settlement processors 102 (each corresponding to a supplier of goods/services) and a plurality of payment processors 108 (each corresponding to a consumer of goods/services). However, for clarity, only a single settlement processor 102 and a single payment processor 108 is shown.
  • the communications network 1 14 comprises a land-based network, such as the Internet.
  • the communications network 114 may instead comprise a wireless network for communication with wireless devices.
  • the present invention is not limited to the network configuration shown in Fig. 1.
  • the communications network 114 may comprise separate networks, with the invoice transmitter 104 and the invoice receiver 106 communicating over one network, and the document transmitter 1 10 and the document receiver 112 communicating over a second network.
  • This configuration may be advantageous where the invoice recipient desires to receive invoices over the Internet with a desktop computer, but also desires to pay the invoices with a hand-held wireless communications device, such as a personal data assistant (PDA).
  • PDA personal data assistant
  • Other network configurations will be apparent to those of ordinary skill in the art.
  • the settlement processor 102 is configured to generate an electronic invoice which includes settlement details (eg. name of a payment recipient, a settlement amount, goods/services purchased).
  • settlement processor 102, the invoice transmitter 104, the document receiver 112, and the settlement transmitter 116 are provided on a single electronic communications device, such as a desktop computer.
  • the settlement processor 102 comprises a user interface 120, a central processing unit (CPU) 122 in communication with the user interface 120, and a non- volatile memory long-term storage device such as a magnetic disc (DISC) 124, and a read/write memory (RAM) 126 both in communication with the CPU 122.
  • CPU central processing unit
  • DISC magnetic disc
  • RAM read/write memory
  • the user interface 120 comprises a data entry device 128, such as a keypad or a voice- recognition port, for creating the electronic invoice; and a display device 130, such as a CRT or a LCD, for viewing the electronic invoice created with the data entry device 128.
  • a data entry device 128, such as a keypad or a voice- recognition port for creating the electronic invoice
  • a display device 130 such as a CRT or a LCD, for viewing the electronic invoice created with the data entry device 128.
  • the DISC 124 includes a customer database 130 identifying a transaction between a customer and a supplier.
  • the customer database 130 comprises a series of records, each specifying the name of a customer, the network address of the customer, the goods or services purchased by the customer, and the amount owed by the customer.
  • Each database record also includes an invoice number if the customer has already been invoiced.
  • the customer database records are entered via the user interface 120.
  • the settlement processor 102 uses the customer database 130 for entering the settlement details onto the electronic invoice, for directing the electronic invoice to the intended recipient, and for verifying payment of each invoice.
  • the DISC 124 also includes a private encryption key which is uniquely associated with the user of the settlement processor 102.
  • the electronic invoice also includes advertising materiel to advise the invoice recipient of promotions, and to encourage future sales.
  • the DISC 124 also stores the appropriate advertising materiel for entry into the electronic invoice.
  • the advertising matter may be entered directly via the data entry device 128.
  • the RAM 126 includes processor instructions for the CPU 122, and includes a memory object defining a document processor 132 for defining the electronic invoice, and a memory object defining an endorsement processor 134 for electronically endorsing a financial instrument received from the invoice recipient. It will be appreciated that the document processor 132, and the endorsement processor 134 need not be implemented as memory objects, but instead may be implemented in electronic hardware, if desired.
  • the invoice transmitter 104 is in communication with the settlement processor 102, and is configured for receiving the electronic invoices generated by the settlement processor 102 and for electronically transmitting the invoices over the communications network 114.
  • the network 1 14 comprises the Internet, in which case the invoice transmitter 104 comprises a network interface device, such as a modem or network card, for transmitting the invoice over the Internet to the e-mail address of the intended recipient.
  • the network 114 comprises a wireless network, in which case the invoice transmitter 104 comprises a wireless transmitter for transmitting the invoice over the wireless network to the wireless address of the intended recipient.
  • the settlement processor 102 is in communication with the document receiver 112 and the settlement transmitter 1 16.
  • the document receiver 112 is configured for receiving the financial instrument from the invoice recipient for ultimately effecting settlement of the invoice.
  • the document receiver 112 comprises a network interface device, such as a modem or network card, for receiving the transmitted financial instrument.
  • the settlement transmitter 116 is configured for transmitting an endorsed financial instrument from the settlement processor 102 to the clearance processor 118 for settlement between the payer's financial institution and the payee's financial institution.
  • the payment processor 108 is configured to generate an electronic financial instrument for payment of the electronic invoice transmitted from the invoice transmitter 104.
  • the invoice receiver 106, the payment processor 108, and the document transmitter 110 are provided on a single portable electronic communications device, such as a laptop computer, wireless personal data assistant or wireless telephone.
  • the payment processor 108 comprises a user interface 136, a central processing unit (CPU) 138 in communication with the user interface 136, and a programmable non-volatile memory (PROM) 140 and a read/write memory (RAM) 142 both in communication with the CPU 138.
  • CPU central processing unit
  • PROM programmable non-volatile memory
  • RAM read/write memory
  • the user interface 136 comprises a data entry device 144, such as a keypad, a voice-recognition port or handwriting recognition tablet, for generating an electronic financial instrument for payment of the invoice; and a display device 146 for viewing the electronic invoice and for viewing the electronic financial instrument generated.
  • a data entry device 144 such as a keypad, a voice-recognition port or handwriting recognition tablet, for generating an electronic financial instrument for payment of the invoice
  • a display device 146 for viewing the electronic invoice and for viewing the electronic financial instrument generated.
  • the PROM 140 includes a MICR record which identifies the bank account number of the user of the payment processor 108, and the financial institution routing number associated with the user's bank account number.
  • the PROM 140 also includes a private encryption key which is used by the user of the payment processor 108 for electronically endorsing the financial instrument.
  • the private encryption key digital is stored in the PROM 140 via a suitable port provided in the user interface 136, such as with a magnetic or SmartCard reader.
  • the PROM 140 also includes processor instructions for the CPU 138 which establish in the RAM 142 a memory object defining a document processor 148, and a memory object defining an electronic checkbook 150 for deriving the electronic financial instrument from the invoice transmitted from the settlement processor 102.
  • the electronic checkbook 150 comprises a memory object defining an instrument processor 152, and a memory object defining an encryption processor 154 for electronically endorsing the electronic financial instrument with a digital signature (derived from the user's private encryption key). It will be appreciated that the document processor 148, the instrument processor 152, and the encryption processor 154 need not be implemented as memory objects, but instead may be implemented in electronic hardware, if desired.
  • the payment processor 108 is in communication with the invoice receiver 106 and the document transmitter 110.
  • the invoice receiver 106 is configured for receiving the electronic invoices transmitted from the settlement processor 102 over the communications network 114, and for transmitting the received invoices to the payment processor 108.
  • the document transmitter 110 is configured for transmitting the financial instruments provided by the payment processor 108 for effecting payment of the invoice.
  • the network 114 comprises the
  • the invoice receiver 106 and the document transmitter 110 each comprise a network interface device, such as a modem or network card, respectively for receiving the electronic invoice transmitted over the Internet and for transmitting the financial instrument over the Internet to the e-mail address of the payee.
  • the network 1 14 comprises a wireless network
  • the invoice receiver 106 and the document transmitter 1 10 respectively comprise a wireless receiver for receiving the electronic invoice transmitted over the wireless network, and a wireless transmitter for transmitting the financial instrument over the wireless network to the wireless address of the payee.
  • the clearance processor 118 is configured to receive endorsed electronic financial instruments and for effecting settlement of the financial instruments between the financial institutions of the payer and the payee. As shown in Fig. 4, the clearance processor 118 comprises a document transceiver 156 for receiving endorsed financial instruments from a plurality of different settlement processors 102, a document transmitter 158 for transmitting the financial instrument to a clearing institution for settlement of the financial instrument, and a settlement preprocessor 160 in communication with the document transceiver 156 and the document transmitter 158 for processing of the financial instrument prior to transmission to the appropriate clearing institution.
  • the settlement preprocessor 160 comprises a central processing unit (CPU) 162, and a non- volatile memory device such as magnetic disc (DISC) 164 and a read/write memory (RAM) 166 both in communication with the CPU 162.
  • the DISC 164 includes an institution database 168 comprising a series of records, each specifying a name of a financial institution, a financial institution routing code associated with the financial institution, and a status flag indicating whether the financial institution is capable of receiving and processing electronic checks.
  • the status flag is used by the settlement postprocessor 160 for processing endorsed electronic financial instruments from the settlement processors 102, in accordance with the ability of the payee's financial institution to process electronic financial instruments of the format provided by the payment processor 108.
  • the DISC 164 also includes a certification database 170 comprising a series of records, each including the name of a payer or payee, a digital certificate uniquely associated with the payer/payee, and the name of the financial institution associated with the payer/payee.
  • Each digital certificate is digitally signed by the clearance processor 118, and includes a public encryption key which is uniquely associated with the payer/payee.
  • the certification database 170 preferably also includes a record which includes a private encryption key and a corresponding public encryption key which are uniquely associated with the clearance processor 118.
  • the settlement postprocessor 160 uses the certification key database 170 to read each endorsed electronic financial instrument it receives and to verify the integrity of each electronic financial instrument.
  • the RAM 166 includes processor instructions for the CPU 162 which establish in the RAM 166 a memory object defining a validation processor 172 for verifying the authenticity of electronic financial instruments received from the settlement processors 102, and a memory object defining a check translator 174 for converting the received financial instruments to automated clearance house (ACH) payment format, if necessary.
  • ACH automated clearance house
  • the settlement transmitter 116 (of the settlement processor 102) and the document transmitter 158 (of the settlement postprocessor 160) each comprise a network interface device, such as a modem or network card, respectively for transmitting and for receiving the electronic financial instrument over the Internet.
  • the settlement transmitter 1 16 and the document transmitter 158 respectively comprise a wireless transmitter and receiver for transmitting and receiving the electronic financial instrument over the wireless network.
  • each settlement processor user and each payment processor user registers itself with the clearance processor 118.
  • the clearance processor 118 issues each user with a digital certificate which includes the user's name and a public encryption key uniquely associated with the user.
  • Each digital certificate is digitally signed with the private encryption key assigned to the clearance processor 118 so that subsequent recipients of the encryption key can verify the validity of the user's public encryption key.
  • the clearance processor 118 stores a copy of each digital certificate in the certification database 170.
  • each settlement processor 102 stores a copy of the private encryption key corresponding to its public encryption key in its DISC 124.
  • each payment processor 108 stores a copy of the private encryption key corresponding to its public encryption key in its PROM 140.
  • a settlement processor user creates an electronic invoice for payment by an intended recipient by issuing a customer search command, through their respective user interface 120, to the settlement processor 102.
  • the document processor 132 receives the search command, and then retrieves from the customer database 130 a database record identifying a customer having an outstanding account for which no invoice has yet been generated. From the retrieved database record, the document processor 132 extracts the customer name, the e-mail address of the customer, the outstanding amount, and the goods or services purchased by the customer, and then creates an electronic invoice which includes the invoice number, the customer name, the outstanding amount, the name of the payee (ie user of the settlement processor 102), the e-mail address of the payee, and a summary of the goods/services purchased.
  • the document processor 132 creates the electronic invoice using a suitable XML-based language, such FSML.
  • the settlement processor 102 queries the settlement postprocessor 160 for the digital certificate associated with the payer, and then encrypts the electronic invoice with the public encryption key included with the digital certificate.
  • the document processor 132 then attaches a copy of the digital certificate associated with the payee to allow the payer to ultimately transmit an encrypted financial instrument to the payee.
  • this latter step is optional since the payer may query the settlement postprocessor 160 for the public encryption key associated with the payee.
  • encryption of the electronic invoice and the financial instrument may be dispensed with, if privacy is not a significant concern.
  • the document processor 132 then fashions the encrypted electronic invoice, either as an integral part of or as an attachment to, an e-mail message having as its target network address the e-mail address of the customer.
  • the document processor 132 then delivers the e-mail message to the invoice transmitter 104 for transmission over the Internet to the customer, and enters the invoice number into the retrieved database record of the customer database 130.
  • the invoice receiver 106 of the payment processor 108 receives the e-mail message from the settlement processor 102, and then delivers it to the payment processor 108 for deriving an electronic financial instrument for payment of the invoice.
  • the document processor 148 extracts the received electronic invoice and the return e-mail address message from the received e-mail message and then, using the private encryption key retained in the PROM 140, decrypts the electronic invoice.
  • each electronic invoice received is held in the RAM 142 until such time as the user of the payment processor 108 issues a read command, through the data entry device 144. This procedure allows the user to delay payment of all invoices received until a convenient time.
  • the payment processor 108 notifies the user of the payment processor 108 upon receipt of each e-mail message.
  • the user may then issue a read command, via the data entry device 144, for viewing of the e-mail message.
  • the document processor 148 receives the read command, and then extracts the electronic invoices from the received e-mail messages, as described above.
  • the document processor 148 Upon receipt of the read command, the document processor 148 displays each electronic invoice on the display 146 of the user interface 136. The user then selects each electronic invoice to be paid, and issues an payment command to the electronic checkbook 150 via the data entry device 144 which invokes the electronic checkbook 150. From each selected electronic invoice, the instrument processor 152 of the electronic checkbook 150 extracts the invoice number, the name of the payee, the e- mail address of the payee, the outstanding amount, and the digital certificate of the payee (if attached), and then creates a plurality of electronic checks each specifying the invoice number, the name of the payer, the name of the payee and the amount owed to the payee.
  • each electronic check also specifies the financial institution account number and routing number associated with the payee.
  • the instrument processor 152 then displays the electronic checks on the display 146 of the user interface 136.
  • the instrument processor 152 creates the electronic checks using a suitable XML-based language, such FSML.
  • FSML XML-based language
  • the user issues an endorsement command, via the data entry device 144, for electronically endorsing the electronic checks.
  • the encryption processor 154 receives the endorsement command, and then creates a digital signature using the user's private encryption key.
  • the encryption processor 154 then attaches the digital signature and a copy of the digital certificate to the electronic check to allow the recipient of the electronic check to verify the integrity of the electronic check.
  • the encryption processor 154 then encrypts the electronic check using the public encryption key of the payee (obtained from the payee's digital certificate).
  • the electronic checkbook 150 attaches the digitally endorsed encrypted electronic check to an e-mail message having as its target network address the e-mail address of the payee.
  • the electronic checkbook 150 then delivers the e-mail message to the document transmitter 110 for transmission over the Internet to the payee.
  • each electronic check also includes a check number
  • the payment processor 108 after transmission of the e-mail message to the document transmitter 110, the payment processor 108 also delivers to the clearance processor 118 an encrypted e-mail message including a list of check numbers issued by the user of the payment processor 108.
  • this additional e-mail transmission provides an extra measure of security.
  • the document receiver 112 receives the e-mail message from the payment processor 108, and then delivers it to the settlement processor 102 for further processing.
  • the document processor 132 of the settlement processor 102 extracts the electronic check from the received e-mail message, and then decrypts the electronic check using the payee's private encryption key (if the electronic check was encrypted).
  • the document processor 132 then delivers the electronic check to the endorsement processor 134, which endorses the electronic check by attaching to the check a digital signature derived using the payee's private encryption key.
  • the endorsement processor 134 then encrypts the endorsed electronic check using the public encryption key of the clearance processor 118, attaches the encrypted electronic check to an e-mail message having as its target network address the e-mail address of the clearance processor 1 18.
  • the endorsement processor 134 then delivers the e-mail message to the settlement transmitter 116 for transmission over the Internet to the clearance processor 1 18.
  • the document transceiver 156 of the clearance processor 118 receives the e-mail message from the settlement processor 102, and then delivers it to the settlement preprocessor 160 for settlement.
  • the validation processor 172 of the settlement preprocessor 160 extracts the encrypted electronic check from the e-mail message, and then decrypts the electronic check using the private encryption key assigned to the clearance processor 118.
  • the validation processor 172 extracts the payee name, the payer name and the settlement amount from the electronic check.
  • the validation processor 172 then verifies the authenticity of the payee's digital signature by means well know to those skilled in the art, namely by extracting a hash key from the payee's digital signature using the payee's public encryption key, generating a hash key from the electronic check, and then comparing the extracted hash key with the generated hash key.
  • the validation processor 172 also verifies the authenticity of the payer's digital signature in a similar manner, but using the payer's public encryption key.
  • the validation processor 172 performs an additional authenticity check by comparing the check numbers of each check bearing the payer's name with the list of check numbers. This latter authenticity check provides an extra measure of security against tampering of the electronic checks.
  • the validation processor 172 If the validation processor 172 is able to verify the authenticity of the electronic check, the validation processor 172 passes the electronic check to the check translation processor 174.
  • the check translation processor 174 extracts the financial institution routing number (if present) from the check, and then queries the institution database 168 with the extracted financial institution routing number to determine whether the financial institution associated with the payer is capable of processing electronic checks. If the status flag of the database record associated with the payer's financial institution indicates that the payer's financial institution is not electronic check capable, the check translation processor 174 converts the format of the electronic check to automated clearance house (ACH) format before proceeding further.
  • ACH automated clearance house
  • the check translation processor 174 determines whether the financial institution associated with the payer is capable of processing electronic checks by querying the certification database 170 with the name of the payer for the name of the payer's financial institution, and then querying the institution database 168 with the extracted financial institution name.
  • the document transmitter 158 opens a secure communications line to a recognized financial institution clearing house, and then transmits to the financial institution clearing house the information necessary for settlement (eg. the financial institution routing numbers, and the settlement amount). After settlement, typically the financial institution of the payee advises the payee of the deposit, thereby allowing the payee to update the records of the customer database 130.
  • the financial institution clearing house typically the financial institution of the payee advises the payee of the deposit, thereby allowing the payee to update the records of the customer database 130.
  • the validation processor 172 if the validation processor 172 is able to verify the authenticity of both digital signatures, the validation processor 172 also extracts the invoice number, the payer name, and the settlement amount from the electronic check, and then transmits a confirmation message via return e-mail by the document transceiver 156 to the settlement processor 102.
  • the document processor 130 of the settlement processor 102 compares the payer name and the settlement amount specified in the confirmation message with the payer name and the outstanding amount specified on the electronic invoice (as identified in the customer database 130), and if the electronic financial instrument and the electronic invoice correlate, the document processor 130 erases the database record from the customer database. If the electronic financial instrument and the transmitted invoice do not correlate, the document processor 130 removes the invoice number from the database record, and updates the outstanding amount on the database record.

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  • Finance (AREA)
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Abstract

L'invention concerne un système de paiement de facture électronique, qui comprend un processeur de règlement, un émetteur de facture, un récepteur de facture et un processeur de paiement de facture. Le processeur de règlement crée une facture électronique qui spécifie un montant à régler, selon le montant de la dette. L'émetteur de facture communique avec le processeur de règlement pour transmettre électroniquement la facture sur un réseau. Le récepteur de facture est conçu pour recevoir la facture électronique transmise sur le réseau. Le processeur de paiement communique avec le récepteur de facture et fournit l'instrument financier électronique pour le paiement de la facture reçue. Le processeur de paiement détermine l'instrument financier selon le montant à régler spécifié sur la facture reçue. Le processeur de paiement transmet l'instrument financier au processeur de règlement aux fins du règlement de l'instrument avec une institution financière.
PCT/CA2000/000317 1999-03-26 2000-03-27 Systeme de paiement de facture electronique WO2000058876A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU35459/00A AU3545900A (en) 1999-03-26 2000-03-27 Electronic invoice payment system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
CA2,267,042 1999-03-26
CA 2267042 CA2267042A1 (fr) 1999-03-26 1999-03-26 Methode et systeme de presentation de facturation electronique locale et de paiement ebpp

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WO2000058876A1 true WO2000058876A1 (fr) 2000-10-05

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AU (1) AU3545900A (fr)
CA (1) CA2267042A1 (fr)
WO (1) WO2000058876A1 (fr)

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WO2003005312A1 (fr) * 2001-07-05 2003-01-16 Cummins-Allison Corp. Systeme et procede de paiement automatique
WO2003070493A2 (fr) * 2002-02-23 2003-08-28 Bank-Verlag Gmbh Systeme informatique et procede pour la transmission electronique de paiements
US6678401B2 (en) 1996-05-13 2004-01-13 Cummins-Allison Corp. Automated currency processing system
WO2009030050A1 (fr) * 2007-09-07 2009-03-12 Manohar Enterprises, Inc. Moyens de contrôle de solde bancaire négatif et de vérification des fonds d'équilibre bancaire pour des systèmes de planification des ressources d'une entreprise
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