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:
Jan. 08, 2013
Filed:
Oct. 14, 2004
Robert M. Goldberg, Briarcliff Manor, NY (US);
Julie A. Peck, Danbury, CT (US);
Kenneth E. Mcdonald, Nesconset, NY (US);
Richard A. Grossweiler, Bohemia, NY (US);
Robert M. Goldberg, Briarcliff Manor, NY (US);
Julie A. Peck, Danbury, CT (US);
Kenneth E. McDonald, Nesconset, NY (US);
Richard A. Grossweiler, Bohemia, NY (US);
Pitney Bowes Inc., Stamford, CT (US);
Abstract
A method and system for electronic bill presentment and payment using a third party intermediary is described. A third party provides an electronic post office that uses a virtual address directory to provide a level of abstraction in an EBPP data stream using the ACH network so that EBPP participants do not require the information that is typically required to process such transactions. By using the virtual address directory, neither the biller, nor the bank, nor the intermediary have all the consumer data used in the transaction. Accordingly, privacy is enhanced and any risk that privacy will be compromised is reduced.