The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Nov. 03, 1998
Filed:
Jun. 02, 1995
Gregory M Bednar, Matthews, NC (US);
Thomas E Carr, Charlotte, NC (US);
James W Donahue, Charlotte, NC (US);
Robert F Hendrix, Jr, Charlotte, NC (US);
Richard J Kuklentz, Charlotte, NC (US);
William A Uhrich, Charlotte, NC (US);
International Business Machines Corporation, Armonk, NY (US);
Abstract
A system and method for electronically creating, presenting, paying and reconciling bills includes an electronic bill presenter in electronic communication with bill originators, bill payers and respective banks. The electronic bill presenter receives bill data from bill originators, creates bills in a graphical format for electronic presentation to bill payers, and transmits bill payment instructions received from bill payers to bill payers' banks for transfer of payments to bill originators' banks. The electronic bill presenter also sends a confirmatory reconciliation message to the bill originator for payment instructions received from bill payers.