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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.:

US 9749391 B1

PDFFull Text
Date of Patent:
Aug. 29, 2017

Filed:

Jun. 20, 2011

Method and system for processing messages in a bill payment and presentment system over a communications network

Applicants:

Robert G. Trende, St. Charles, MO (US);

Paul J. Mila, Carle Place, NY (US);

Cathleen Conforti, Ocean, NJ (US);

Patrick J. Leathrum, Edwardsville, IL (US);

Clifford A. Kinnunen, Jr., Granite City, IL (US);

Brian D. Lock, Washington, MO (US);

Matthew T. Holton, St. Louis, MO (US);

Jeffrey M. Stark, Ballwin, MO (US);

Inventors:

Robert G. Trende, St. Charles, MO (US);

Paul J. Mila, Carle Place, NY (US);

Cathleen Conforti, Ocean, NJ (US);

Patrick J. Leathrum, Edwardsville, IL (US);

Clifford A. Kinnunen, Jr., Granite City, IL (US);

Brian D. Lock, Washington, MO (US);

Matthew T. Holton, St. Louis, MO (US);

Jeffrey M. Stark, Ballwin, MO (US);

Assignee:

MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);

Attorney:

Otterstedt, Ellenbogen & Kammer, LLP

Primary Examiner:

Lalita M Hamilton

Int. Cl.
CPC ...
G06Q 40/00 (2012.01); H04L 29/08 (2006.01); G06Q 20/10 (2012.01); G06Q 20/14 (2012.01); G06Q 30/04 (2012.01); H04L 29/06 (2006.01);
U.S. Cl.
CPC ...
H04L 67/06 (2013.01); G06Q 20/102 (2013.01); G06Q 20/14 (2013.01); G06Q 30/04 (2013.01); G06Q 40/00 (2013.01); H04L 29/06 (2013.01); H04L 67/02 (2013.01); H04L 67/28 (2013.01); H04L 67/2823 (2013.01); H04L 67/2804 (2013.01); H04L 69/329 (2013.01);
Abstract

In a bill payment and presentation system, a method for electronically routing billing information over a communications network is provided, using an open financial exchange communication protocol. The method provides for a centrally located mainframe system and a switching system for coordinating the routing of messages between customer service providers and biller service providers. In particular, the method collects at the CSPs and at the BSPs mainframe application files comprising the messages, forwards these files in batch mode to the mainframe system and converts with a switching system these mainframe files into web-enabled addresses, allowing for the effective transmission of financial billing information in flat-file and/or Internet-based form.

Find Patent Forward Citations

Trende, Robert. (2017). Method and system for processing messages in a bill payment and presentment system over a communications network (U.S. Patent No. 9749391). U.S. Patent and Trademark Office. https://idiyas.com/patent/badge/9749391

Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile

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