System and method for secure presentment and payment over open networks
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United States of America Patent
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Jun 27, 2000
Grant Date -
N/A
app pub date -
Mar 20, 1998
filing date -
Mar 20, 1998
priority date (Note) -
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status (Latency Note)
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Abstract
A system for secure presentment and payment having a first electronic processing device and a second electronic processing device. The first processing device creates a presentment ticket from stored invoice data, and securely transmits the presentment ticket and the invoice data to the second processing device. The second processing device determines which invoices are to be paid and creates a corresponding remittance advice which it securely transmits to said first processing device. The first processing device creates a commercial payment ticket corresponding to the remittance advice and securely transmits it to the second processing device. The second processing device then securely transmits electronic money to the first processing device in an amount corresponding to that specified in the remittance advice.
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