Checkfree Corporation

Checkfree Services Corporation

Kenneth Hobday

Ravi Ganesan

Matt Lewis

Hans Daniel Dreyer

Peter J Kight

Systems and methods for controlling access to information on a network where a first network entity receives a message requesting access to stored information via a network communication. The received message includes a first component encrypted with a first crypto-key associated with the first network entity and a second component encrypted with a second crypto-key associated with a second network entity such that both can be decrypted by the first network entity. The second network entity controls access to the network by the user. After receiving the message, the first network entity decrypts the first component and the second component and then transmits the stored information to the user based on the content of the first component and the second component.

Controlling access to information on a network using an extended network universal resource locator

Systems and methods for facilitating access to stored information associated with a user, where a service provider receives, from a network entity controlling access to the stored information, a first message component encrypted with a first crypto-key associated with the network entity that can be decrypted by the network entity and a network address associated with the stored information. The service provider then receives a request for information enabling access to the stored information from an access portal associated with the user. Next, the service provider generates a response that includes the network address and the first message component and transmits the response to the access portal. The generated response is extensible by the access portal to include a second message component. The second message component is encrypted with a second crypto-key associated with the access portal. The extended response is usable to obtain access to the stored information.

Facilitating access to information stored on a network using an extended network universal resource locator

An electronic bill payment network includes a plurality of user network stations associated with different users, a plurality of biller network stations associated with different billers, and a central network station. A first user station operates, in real time, to transmit information relevant to an amount of an available bill and an instruction to pay the available bill. A first biller station operates, in real time, to receive the transmitted information and to compute the amount of the available bill based upon the received information. The central network station operates to receive the computed amount of the available bill and the transmitted pay instruction, and to direct payment of the computed amount of the available bill based upon the transmitted instruction to pay that bill.

Electronic billing with updateable electronic bill summary

An electronic bill presentment network includes a central network station and a plurality of different user stations. The central network station transmits bill availability information to the user stations to identify available bills of different billers for the different users. Information associated with each available bill of a respective biller is available at one of multiple networks addresses associated with that biller. The associated information could, for example, be the bill itself and/or promotional information. Each user station is associated with a respective one of the users and receives the transmitted bill availability information for its associated user and selects one of the identified available bills, such as for viewing or payment. A user station associated with a first user is linked to the first network address associated with the bills of the first biller, based on a bill selection by the first user station. A second user station associated with a second user is linked to the second network address associated with the bills of the first biller based on a bill selection by the second user station.

Electronic billing with flexible biller controlled electronic bill presentment

To facilitate access to information on a network, an extended network universal resource locator is generated. The generated extended network universal resource locator has (i) a network address, such as an Internet URL, at which stored information, such as detailed bill information, can be accessed on a network, (ii) identity information associated with a first network entity and an integrity value corresponding to the identity information, and (iii) voucher information indicating that a third network entity has authenticated the first network entity and that transmission of the extended network universal resource locator by the third network entity to the first network entity occurred at a particular time. The identity information could, for example, include an identification of the stored information and an account number associated with the first network entity. The integrity value could, for example, be a hash of the identity information. The identity information and the integrity value are encrypted with a first crypto-key of a second network entity. The voucher information is encrypted with a second crypto-key of the third network entity. The transmission time information is preferably a timestamp. The extended network universal resource locator is transmitted via the network to facilitate access, by the first entity, to the information stored at the network address.

Accessing information on a network using an extended network universal resource locator

The present invention provides a method, system, and article of manufacture for presenting information via a network. Multiple information identifiers, each associated with information to be directed to a network user, are received and stored. A notice of availability of the information, as well as one of the information identifiers, are transmitted to the network user. Only after the network user views the information associated with the transmitted information identifier, another information identifier is transmitted to the network user to allow the network user to view the information associated with the other information identifier.

Electronic Billing with required viewing of supplemental information

The present invention provides a method and system for making inter-network payments. A payment request to make a payment on behalf of a payer to a payee is received. A first payment service provider receives this request. The payment is directed to a payee that is associated with a second payment service provider. The first payment service provider determines the identity of the second payment service provider and transmits a payment instruction to the second payment service provider to complete the payment.

Inter-network financial service

An electronic message for transmission over a network, such as the Internet, is created by encrypting a first component with a first crypto-key, which is associated with a first network entity, such that the encrypted first component can be decrypted by only the first network entity. The first crypto-key could, for example, be a symmetric crypto-key known only to the first network entity or the public non-symmetric crypto-key of a private-public non-symmetric key pair, where the private non-symmetric crypto key is known only to the first network entity. A second component, which is different than the first component, is encrypted with a second crypto-key, which is associated with a second network entity, such that the encrypted second component can also be decrypted by the first network entity. The second crypto-key could, for example, be a symmetric crypto-key known to both the first and second network entities or the private non-symmetric crypto-key of a private-public non-symmetric key pair of the second network entity, where the public non-symmetric crypto key is known to the first network entity. The encrypted first and second components are combined to create the electronic message.

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Powell, OH, United States of America

Kenneth Hobday