WO2001080102A1 - Systeme et procede de presentation et de paiement de factures electroniques et procede permettant d'obtenir des annuaires de fournisseurs - Google Patents

Systeme et procede de presentation et de paiement de factures electroniques et procede permettant d'obtenir des annuaires de fournisseurs Download PDF

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Publication number
WO2001080102A1
WO2001080102A1 PCT/CA2000/001048 CA0001048W WO0180102A1 WO 2001080102 A1 WO2001080102 A1 WO 2001080102A1 CA 0001048 W CA0001048 W CA 0001048W WO 0180102 A1 WO0180102 A1 WO 0180102A1
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WO
WIPO (PCT)
Prior art keywords
ebpp
biller
directory
information
client computer
Prior art date
Application number
PCT/CA2000/001048
Other languages
English (en)
Inventor
John Degroot
Original Assignee
Billwhiz 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 Billwhiz Inc. filed Critical Billwhiz Inc.
Priority to AU2000272632A priority Critical patent/AU2000272632A1/en
Publication of WO2001080102A1 publication Critical patent/WO2001080102A1/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
    • G06Q30/00—Commerce
    • G06Q30/02—Marketing; Price estimation or determination; Fundraising
    • 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 online directory systems, and more particularly to systems providing online directories for electronic bill presentment and payment 5 (EBPP) participants.
  • EBPP electronic bill presentment and payment 5
  • EBPP Electronic bill presentment and payment
  • EBPP 10 refers to a set of electronic processes by which companies electronically present bills to customers for goods purchased or services rendered and by which customers make payments.
  • EBPP 10 provides an alternative to traditional methods of presenting bills to customers through the postal system or courier services, and traditional methods of paying bills through paper cheques or bank-directed payments.
  • the presentment aspect of EBPP increasingly involves intermediary providers.
  • the biller may employ a bill staging service, such as a bill publisher or consolidator.
  • a bill publisher such as a bill publisher or consolidator.
  • the customer may employ his/her own private consolidator or an online bill payment service (The various types of EBPP service providers are described in detail in NACHA, Council for Electronic Billing and Payment, "An Overview of Electronic Bill Presentment and Payment Operating Models", April 9, 1999).
  • each of these links in the chain are connected by contract and therefore rely on existing relationships of trust and familiarity.
  • this creates a cumbersome situation for the biller, who must negotiate contracts with each potential EBPP service provider.
  • the customer also encounters a difficulty - having to deal only with those EBPP service providers who have negotiated with the customer's billers.
  • a customer is typically required to deal with a mosaic of service providers in order to pay all of his or her bills online.
  • EBPP biller information that is accurate, authenticated, current and complete.
  • the source of information should not be restricted by the presence or absence of contractual arrangements with billers.
  • the source should be independent.
  • the present invention provides an online directory service meant specifically for the EBPP market, an independently-maintained EBPP biller directory system available to EBPP participants.
  • EBPP biller directory system available to EBPP participants.
  • Such a biller directory system has become commercially necessary as EBPP grows to encompass loosely connected participants.
  • An independent EBPP biller directory system would contribute to greater levels of customer convenience and satisfaction as the system would enable each customer to deal with the EBPP service provider of his/her choice and to pay any bill through one service provider.
  • Basic search and retrieval access to such an EBPP biller directory system is preferably provided freely and openly to any EBPP participant. However, it is a logical extension of the directory system to provide value-added services on a for-fee or subscription basis. Possible value-added services include printed global or customized EBPP biller directories, retrieval with customized data formatting, proxying of directory information requests, and access control for specific directory listings.
  • a method of providing an online EBPP biller information directory comprises three steps: by an EBPP biller, submitting EBPP biller information for publication with an EBPP biller directory authority; entering EBPP biller information into an EBPP biller directory database; and responsively to calls from client computer systems, providing online access to EBPP biller information.
  • EBPP refers to electronic bill presentment and payment.
  • An "EBPP biller” refers to a company or organization which either provides directly, or indirectly through a service provider, electronic bills to a customer for goods purchased or services rendered.
  • An "EBPP biller directory authority” is preferably a company or organization that maintains an EBPP biller directory.
  • a method of providing an online EBPP biller information directory comprises four steps: by an EBPP biller, submitting EBPP biller information for publication with an
  • EBPP biller directory authority by an EBPP biller directory administrator, authenticating the EBPP biller information; entering authenticated EBPP biller information into an EBPP biller directory database; and responsively to calls from client computer systems, providing online access to authenticated EBPP biller information.
  • Authentication is preferably accomplished by human administrators verifying the accuracy of data submitted with the billers themselves or with related biller service providers.
  • the third step further comprises data mapping the submitted EBPP biller information into a standardized EBPP biller directory database format.
  • the invention preferably allows EBPP biller information to be submitted in a variety of data formats, such as XML, OFX, and proprietary data formats
  • the individual data records must then be translated field-by-field into a standardized EBPP biller directory database format, such as relational database format.
  • This translation can be done through existing software database solutions, such as vendor-supplied data import utilities or customized translation algorithms.
  • an EBPP biller directory system provides an online directory of EBPP biller information for EBPP participants.
  • the system comprises a client-server network with a plurality of client computer systems, and a server connected to the client computer systems.
  • the client computer systems submit and retrieve EBPP biller information.
  • the server receives, stores and transmits EBPP biller information responsively to the client computer systems.
  • the client-server architecture preferably comprises commonly-known hardware components.
  • Each client computer system preferably comprises a computer, display monitor and at least two means of input, such as a standard keyboard and mouse.
  • the server can be a standard PC running a server OS, such as Windows NT or UNIX, or it can be a mini-computer, such as a Sun server, or it can be a mainframe such as an IBM S/390.
  • the server comprises at least one database for storage of the EBPP biller information.
  • the server is preferably programmed with an external interface application that functions as a gateway allowing remote searchable access to the database.
  • the external interface can be accessed by a user interface application for the purpose of displaying the directory information, or by an application such as a bill presentment application that uses the directory information as a component for a secondary service.
  • the computer server could equally be implemented as a network of interconnected computer servers, structured to provide parallel processing and/or fail-over functionality.
  • the server is connected to the client computer systems over a distributed network.
  • the client computer systems are communicably connected to the server, preferably by means of bi-directional Internet connection over standard telephone, ADSL, or ISDN lines.
  • an EBPP biller directory database comprises EBPP biller information for EBPP participants.
  • the EBPP biller information is stored in a standardized EBPP biller directory database format.
  • the database is preferably in a standard database format, using a standard query language such as SQL or using an object-oriented language such as Java.
  • an EBPP biller directory server comprises an external interface and a database.
  • the EBPP biller directory user interface retrieves and submits EBPP biller information from remote users.
  • the EBPP biller directory database is responsive to the EBPP biller directory external interface.
  • the EBPP biller directory database stores EBPP biller directory information for retrieval through the EBPP biller directory external interface.
  • FIG. 1 is a block diagram of an embodiment of the present invention.
  • FIG. 2 is a network diagram of an embodiment of the present invention.
  • FIG. 1 shows two possible applications of the present invention, an EBPP biller information directory 3.
  • the directory provides biller information related to an EBPP biller 2 for access by an EBPP customer 1.
  • the biller 2 would submit information to a directory authority (not shown) for addition to the EBPP biller information directory 3, which can then be searchably accessed by the customer 1.
  • the biller information includes the biller's exact name, address, and other contact information, such as telephone number, facsimile number, and the name of a 5 designated contact person.
  • the biller information may also include name and contact information of the biller's electronic bill publisher.
  • Fig. 1 also shows an alternative application of the invention, wherein the EBPP biller information directory 3 is available for use by intermediary EBPP participants, such as a customer service provider 4 and a biller service provider 5.
  • intermediary EBPP participants such as a customer service provider 4 and a biller service provider 5.
  • service provider 4 acts as an agent of the customer 6. These service providers enroll customers, enable presentment and provide customer care.
  • the biller service provider 5 acts as an agent of the biller 7. These service providers typically provide electronic staging of bills for presentment on behalf of a biller.
  • the directory 3 provides biller information necessary to allow the customer service 15 provider 4 to present bills to the customer 6 without a pre-existing contractual relationship with the biller 7 or the biller service provider 5.
  • Such biller information is provided to the directory authority (not shown) by the biller 7.
  • the biller authority may then authenticate the data through the biller service provider 5.
  • FIG. 2 shows the network configuration of an embodiment of the present invention.
  • the foundation of the directory system is the EBPP biller directory database 13 which resides on a computer server 12 programmed with an external interface application 11.
  • the external interface application 11 functions as a gateway allowing remote searchable access to the database 13.
  • the server 12 is communicably coupled over a network 10 to a plurality of client computer systems used by EBPP participants 1, 2, 4, 5, 6, 7.
  • the client-server network 10 is preferably a distributed network, such as the Internet.
  • the client systems programmably communicate with the external interface in two ways: by a stand-alone user interface application 8, or by a business application 9, such as a bill presentment application, using the directory information as a component for a secondary service.

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  • Business, Economics & Management (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Game Theory and Decision Science (AREA)
  • Entrepreneurship & Innovation (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)

Abstract

L'invention concerne un système et un procédé d'annuaire de fournisseurs EBPP (présentation et paiement de factures électroniques). Ce procédé permet à une autorité centrale d'annuaire de fournisseurs EBPP d'établir un annuaire en ligne de fournisseurs EBPP comme référence destinée aux participants EBPP. Cet annuaire EBPP est accessible à tous les participants EBPP via un réseau distribué.
PCT/CA2000/001048 2000-04-17 2000-09-18 Systeme et procede de presentation et de paiement de factures electroniques et procede permettant d'obtenir des annuaires de fournisseurs WO2001080102A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2000272632A AU2000272632A1 (en) 2000-04-17 2000-09-18 Electronic bill presentment and payment system and method providing biller directories

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
CA2,305,914 2000-04-17
US55245900A 2000-04-18 2000-04-18
US09/552,459 2000-04-18
CA2,306,589 2000-04-26

Publications (1)

Publication Number Publication Date
WO2001080102A1 true WO2001080102A1 (fr) 2001-10-25

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CA2000/001048 WO2001080102A1 (fr) 2000-04-17 2000-09-18 Systeme et procede de presentation et de paiement de factures electroniques et procede permettant d'obtenir des annuaires de fournisseurs

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WO (1) WO2001080102A1 (fr)

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6856974B1 (en) * 1998-02-02 2005-02-15 Checkfree Corporation Electronic bill presentment technique with enhanced biller control
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 (4)

* 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
WO1998015925A2 (fr) * 1996-10-09 1998-04-16 Visa International Service Association Systeme de presentation electronique de releves comptables
US5813006A (en) * 1996-05-06 1998-09-22 Banyan Systems, Inc. On-line directory service with registration system
WO2000079451A1 (fr) * 1999-06-17 2000-12-28 Mobius Management Systems, Inc. Systeme de releve, de presentation de facture et de paiement et procede correspondant

Patent Citations (4)

* 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
US5813006A (en) * 1996-05-06 1998-09-22 Banyan Systems, Inc. On-line directory service with registration system
WO1998015925A2 (fr) * 1996-10-09 1998-04-16 Visa International Service Association Systeme de presentation electronique de releves comptables
WO2000079451A1 (fr) * 1999-06-17 2000-12-28 Mobius Management Systems, Inc. Systeme de releve, de presentation de facture et de paiement et procede correspondant

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
BUSINESS TASK FORCE OF NACHA'S COUNCIL FOR ELECTRONIC BILLING AND PAYMENT: "An Overview of Electronic Bill Presentment and Payment Operating Models", NACHA, 9 April 1999 (1999-04-09), pages 1 - 12, XP002170181, Retrieved from the Internet <URL:http://cebp.nacha.org/downloads/49models2.pdf> [retrieved on 20010620] *
COUNCIL FOR ELECTRONIC BILLING AND PAYMENT OF THE NATIONAL AUTOMATED CLEARING HOUSE ASSOCIATION (NACHA): "Electronic Bill Payment/Presentment Business Practices", NACHA, vol. 2.0, 7 December 1999 (1999-12-07), XP002170180, Retrieved from the Internet <URL:http://cebp.nacha.org/downloads/form/bp2/busparcv2.pdf> [retrieved on 20010620] *

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6856974B1 (en) * 1998-02-02 2005-02-15 Checkfree Corporation Electronic bill presentment technique with enhanced biller control
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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