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:
Apr. 11, 2000
Filed:
Jul. 22, 1997
Lev Smorodinsky, Laguna Hills, CA (US);
Unisys Corporation, Blue Bell, PA (US);
Abstract
An electronic bill presentment and payment system includes multiple biller computers, a bill presentment computer, and multiple customer computers. Each biller computer stores complete bills for the customer of a corresponding biller, and the bill presentment computer stores a respective summary of each complete bill along with a hash of that complete bill which is digitally signed by the biller computer. Each particular customer computer makes a payment on a selected complete bill by generating a payment message which includes a) the hash of the selected complete bill digitally signed by the biller computer, and b) an authorization to pay a specified amount of funds on the selected complete bill, both of which are digitally signed by that particular customer computer. This payment message is stored in a closing record for use in resolving issues regarding whether or not the bill was changed after payment was authorized, and whether or not an alleged payment on the selected bill was authorized.