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1. 发明授权

US07657484B2 Electronic bill presentment via a wide area communications network 有权
标题翻译：电子帐单通过广域通信网络呈现
公开(公告)号：US07657484B2
公开(公告)日：2010-02-02
申请号：US10645521
申请日：2003-08-22
申请人： Ravi Ganesan , Mark Todd Harris , Hans Daniel Dreyer , Kathryn Randall Wolfe
发明人： Ravi Ganesan , Mark Todd Harris , Hans Daniel Dreyer , Kathryn Randall Wolfe
IPC分类号： G06Q40/00
CPC分类号： G06Q30/04 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q40/00 , G06Q40/02 , H04L29/06 , H04L67/42
摘要： Bill information is electronically presented to a user via a wide-area communications network. The wide-area communications network has multiple different network sites, including a first network site associated with a first bill information presentment entity, a second network site associated with a first user entity, and a third network site associated with a second bill information presentment entity. First information for authenticating the first user entity is received by the first bill information presentment entity. The first user entity is authenticated to the third network site based on this received first authentication information. First bill information, which represents a first bill of a first biller for the first user entity, is accessed at the third network site based on the authentication of the first user entity to this site. The accessed first bill information is transmitted from the first network site to the second network site, for presentation to the first user entity.
摘要翻译：帐单信息通过广域通信网络电子呈现给用户。广域通信网络具有多个不同的网络站点，包括与第一帐单信息呈现实体相关联的第一网站，与第一用户实体相关联的第二网站，以及与第二帐单信息呈现实体相关联的第三网站。用于认证第一用户实体的第一信息由第一帐单信息呈现实体接收。基于该接收的第一认证信息，第一用户实体被认证到第三网站。基于对该站点的第一用户实体的认证，代表第一用户实体的第一帐单的第一账单的第一帐单信息在第三网站被访问。所访问的第一帐单信息从第一网站发送到第二网站，以呈现给第一用户实体。

2. 发明授权

US06856974B1 Electronic bill presentment technique with enhanced biller control 失效
标题翻译：电子帐单呈现技术，增强了帐单控制权
公开(公告)号：US06856974B1
公开(公告)日：2005-02-15
申请号：US09301068
申请日：1999-04-28
申请人： Ravi Ganesan , Mark Todd Harris , Hans Daniel Dreyer , Kathryn Randall Wolfe
发明人： Ravi Ganesan , Mark Todd Harris , Hans Daniel Dreyer , Kathryn Randall Wolfe
IPC分类号： G06Q20/00 , G06Q30/00 , H04L29/06 , G06F17/60
CPC分类号： G06Q30/04 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q40/00 , G06Q40/02 , H04L29/06 , H04L67/42
摘要： An electronic bill presentment system includes network, a central network station, and a plurality of user and biller network stations. Each of the user stations is associated with a respective one of a plurality of users and is operable to transmit first requests for bills via the network. The central network station receives the transmitted first requests and transmits, responsive thereto, bill availability information via the network. The user stations receive the transmitted bill availability information and are operable to transmit second requests for bills via the network. Each of the biller stations is associated with a respective one of the plurality of billers. The biller stations receive the transmitted second requests and transmit, responsive thereto, the requested bills via the network.
摘要翻译：电子账单呈现系统包括网络，中央网络站以及多个用户和帐单网络站。每个用户站与多个用户中的相应一个相关联，并且可操作用于经由网络发送对账单的第一请求。中央网站接收所发送的第一请求，并通过网络发送对应的账单可用性信息。用户站接收所发送的账单可用性信息，并且可操作以经由网络发送对账单的第二请求。每个报价站与多个报头器中的相应一个相关联。收费站接收所发送的第二请求，并响应于此发送经由网络的请求的账单。

3. 发明授权

US06334116B1 Technique for centrally tracking transactions in an electronic billing system 失效
标题翻译：在电子计费系统中集中跟踪交易的技术
公开(公告)号：US06334116B1
公开(公告)日：2001-12-25
申请号：US09237657
申请日：1999-01-27
申请人： Ravi Ganesan , Mark Todd Harris , Hans Daniel Dreyer , Kathryn Randall Wolfe
发明人： Ravi Ganesan , Mark Todd Harris , Hans Daniel Dreyer , Kathryn Randall Wolfe
IPC分类号： G06F1760
CPC分类号： G06Q30/04 , G06Q20/102 , G06Q20/14 , H04L29/06 , H04L67/42 , H04L69/329
摘要： A method is provided for centrally tracking transactions in an electronic billing system. The system includes multiple different billing entities, multiple different financial institute entities and multiple different user entities. Each of the multiple different billing entities is associated with a respective portion of the multiple different user entities and each of the multiple different financial institute entities is associated with a respective portion of the multiple different user entities. A message is received from any of the multiple different financial institute entities indicating a request from any of the multiple different user entities associated with the applicable financial institute entity to view billing information. The receipt of the request to view the billing information is logged in a database as first event information. A message indicative of the billing information of at least one of the multiple different billing entities associated with the applicable user entity which is available for viewing is transmitted to the applicable user entity. A message indicating a request from the applicable user entity to view the available billing information of that billing entity is received from any of the at least one of the billing entities. The receipt of the message indicating the applicable user entity request to view the billing information of the applicable billing entity is logged in the database as a second event information.
摘要翻译：提供了一种用于在电子计费系统中集中跟踪交易的方法。该系统包括多个不同的计费实体，多个不同的金融机构实体和多个不同的用户实体。多个不同计费实体中的每一个与多个不同用户实体的相应部分相关联，并且多个不同金融机构实体中的每一个与多个不同用户实体的相应部分相关联。从多个不同的金融机构实体中的任何一个接收到指示来自与适用的金融机构实体相关联的多个不同用户实体的任何一个请求以查看计费信息的消息。收到查看计费信息的请求作为第一事件信息记录在数据库中。指示与可用于观看的适用用户实体相关联的多个不同计费实体中的至少一个的计费信息的消息被发送到适用的用户实体。从所述至少一个计费实体中的任何一个接收指示来自适用用户实体的请求以查看该计费实体的可用计费信息的消息。指示适用的用户实体请求查看适用的计费实体的计费信息的消息的接收作为第二事件信息被记录在数据库中。

4. 发明授权

US07778901B2 Integrated electronic presentment and payment of bills by different entities 有权
标题翻译：综合电子出版物和不同实体支付账单
公开(公告)号：US07778901B2
公开(公告)日：2010-08-17
申请号：US11059370
申请日：2005-02-17
申请人： Ravi Ganesan , Mark Todd Harris , Hans Daniel Dreyer , Kathryn Randall Wolfe
发明人： Ravi Ganesan , Mark Todd Harris , Hans Daniel Dreyer , Kathryn Randall Wolfe
IPC分类号： G06Q40/10
CPC分类号： G06Q30/04 , G06Q20/02 , G06Q20/10 , G06Q20/102 , G06Q20/14 , G06Q40/00 , G06Q40/02 , H04L29/06 , H04L67/42
摘要： To electronically present bills and request payment of presented bills, billing information representing a bill of a biller for a payee, and an associated selectable payment indicator having a first linking function, are received from a first network site associated with a bill presentment entity via a first communications link over a communications network. The received billing information and payment indicator are displayed. An input representing a selection of the displayed payment indicator is received. Based on the receipt of this input, the first linking function is activated to establish a second communications link over the communications network to a second network site, different that the first network site, associated with a bill payment entity, and to transmit a request to pay the represented bill on behalf of the payee to the second network site via the second communications link.
摘要翻译：为了电子地呈现账单并请求支付所提供的账单，代表收款人的账单的帐单的帐单信息和具有第一链接功能的相关联的可选支付指示符通过经由账单呈现实体的第一网络站点被接收通信网络上的第一通信链路。显示接收到的计费信息和支付指示符。接收表示所显示的支付指示符的选择的输入。基于该输入的接收，第一链接功能被激活以通过通信网络建立到第二网络站点的第二通信链路，不同于与账单支付实体相关联的第一网络站点，并且将请求发送到通过第二通信链接代表收款人向第二网站支付代表的帐单。

5. 发明授权

US06055567A Distributed data accessing technique 失效
标题翻译：分布式数据访问技术
公开(公告)号：US06055567A
公开(公告)日：2000-04-25
申请号：US17169
申请日：1998-02-02
申请人： Ravi Ganesan , Mark Todd Harris , Hans Daniel Dreyer , Kathryn Randall Wolfe
发明人： Ravi Ganesan , Mark Todd Harris , Hans Daniel Dreyer , Kathryn Randall Wolfe
IPC分类号： G06Q20/14 , G06Q30/04 , H04L29/06 , H04L29/08 , G06F13/00
CPC分类号： G06Q30/04 , G06Q20/14 , H04L29/06 , H04L67/42 , H04L69/329
摘要： A distributed data accessing technique is disclosed. The technique is realized by storing, at a first network station, information identifying data which is available at a second network station, the second network station being different than the first network station. A signal is generated at the first network station representing the information identifying the available data and linking information to the second network station. The signal is transmitted to a third network station, the third network station being different than the first and the second network stations. The transmitted linking information is operable at the third network station to establish a network link over which the identified available data is transmittable from the second network station to the third network station.
摘要翻译：公开了一种分布式数据访问技术。该技术通过在第一网络站处存储在第二网络站可用的信息识别数据来实现，所述第二网络站不同于第一网络站。在第一网络站处生成表示标识可用数据和链接信息到第二网络站的信息的信号。信号被发送到第三网络站，第三网络站不同于第一和第二网络站。所发送的链接信息可在第三网络站处操作以建立网络链路，通过该网络链路可识别的可用数据可从第二网络站发送到第三网络站。

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