Source: http://www.google.nl/patents/US7519560?hl=nl
Timestamp: 2013-05-25 18:41:51
Document Index: 613046461

Matched Legal Cases: ['art 1982', 'art 198714', 'art 1989', 'art 198912', 'art 199116', 'art 1993', 'art 199310', 'art 199322', 'art 1995', 'art 1995', 'art 19945', 'art 1996', 'art 19949', 'art 19956', 'art 199517', 'art 19957', 'art 1997', 'art 199811', 'art 199625', 'art 200416']

Patent US7519560 - System and method for electronic authorization of batch checks - Google PatentenZoeken Afbeeldingen Maps Play YouTube Nieuws Gmail Drive Meer » Geavanceerd zoeken naar patenten | Webgeschiedenis | Inloggen Geavanceerd zoeken naar patenten PatentenA method of effecting payment. A system for effecting payment. Instructions to send a set of financial instruments to a set of recipients are received at a first system from an agent. A digital signature of the agent is created using a private key associated with the agent is added to the instructions....http://www.google.nl/patents/US7519560?utm_source=gb-gplus-sharePatent US7519560 - System and method for electronic authorization of batch checks PublicatienummerUS7519560 B2PublicatietypeVerlening Aanvraagnummer10/155,800 Publicatiedatum14 april 2009 Aanvraagdatum24 mei 2002 Prioriteitsdatum24 mei 2002Ook gepubliceerd alsUS20030220886 UitvindersDuc LamXuan (Sunny) McRaeMatthew Roland Oorspronkelijke patenteigenaarJpmorgan Chase Bank, N.A.Jpmorgan Xign CorporationXign Corporation Classificatie in de VS705/64380/51713/176 Internationale classificatieG06Q20/00G06Q99/00 Co�peratieve classificatieG06Q20/042G06Q20/02G06Q20/3829G06Q20/14G06Q20/04G06Q20/382G06Q20/3825G06Q20/023 Europese classificatieG06Q20/02G06Q20/14G06Q20/04G06Q20/042G06Q20/3825G06Q20/382G06Q20/3829G06Q20/023ReferentiesPatentcitaties (103)Niet-patentcitaties (50) Verwijzingen naar dit patent (3)Externe linksUSPTO USPTO-toewijzing EspacenetSystem and method for electronic authorization of batch checksUS 7519560 B2 Samenvatting A method of effecting payment. A system for effecting payment. Instructions to send a set of financial instruments to a set of recipients are received at a first system from an agent. A digital signature of the agent is created using a private key associated with the agent is added to the instructions. The agent is associated with a first entity. The instructions are transmitted to a second system. The second system in the instructions are verified using a public key corresponding to a private key associated with the agent. A set of financial instructions is created electronically and digital signatures created using a second private key are added to the financial instruments. The financial instruments from among the set of financial instruments are sent to respective recipients according to the instruments. According to one embodiment of the invention, the financial instruments are encrypted using public keys of respective recipients. According to another embodiment of the invention, terms are presented to the system administrator indicating that the entity shall be responsible for transactions effected by the agent before authorization is provided to the agent to effect creation of the checks with the digital signatures using the private key of the entity.
attaches the encrypted session key to the encrypted checks that are sent to respective recipients. Beschrijving
Patentcitaties Geciteerd patent Aanvraagdatum Publicatiedatum Aanvrager TitelUS36534809 okt 19694 april 1972Omron Tateisi Electronics Co.Automatic vending systemUS42057803 juli 19783 juni 1980Teknekron, Inc.Document processing system and methodUS42648086 okt 197828 april 1981Ncr CorporationMethod and apparatus for electronic image processing of documents for accounting purposesUS432167226 nov 197923 maart 1982Braun; Edward L.Financial data processing systemUS43852852 april 198124 mei 1983Ncr CorporationCheck dispensing terminalUS43969859 jan 19812 aug 1983Omron Tateisi Electronics Co.Electronic cash register system for food dispensing businessUS449501814 juli 198322 jan 1985Vohrer; ChristophProcess for producing a reinforced tubeUS461745719 dec 198314 okt 1986Ncr CorporationTeller-assisted, customer-operated ATM document cashing systemUS46723779 sept 19859 juni 1987Murphy, Arthur John (45%)Check authorization systemUS469439727 dec 198415 sept 1987The Advest Group, Inc.Banking/brokerage computer interface systemUS470005515 okt 198513 okt 1987Kashkashian, Jr.; ArsenMultiple credit card systemUS471376118 juli 198515 dec 1987Pitney Bowes, Inc.System for centralized processing of accounting and payment functionsUS47528779 april 198621 juni 1988College Savings BankMethod and apparatus for funding a future liability of uncertain costUS47979134 aug 198710 jan 1989Science Dynamics CorporationDirect telephone dial ordering serviceUS47991561 okt 198617 jan 1989Strategic Processing CorporationInteractive market management systemUS481262827 maart 198714 maart 1989Visa International Service AssociationTransaction system with off-line risk assessmentUS482326427 mei 198618 april 1989Deming; Gilbert R.Electronic funds transfer systemUS49317931 juli 19885 juni 1990Solitron Devices, Inc.System for providing a warning when vehicles approach a common collision pointUS494817424 aug 198914 aug 1990Remittance Technology CorporationFinancial data processing systemUS497487826 okt 19884 dec 1990Remittance Technology CorporationFinancial data processing system using payment couponsUS497584116 jan 19904 dec 1990American Colloid CompanyMethod and apparatus for reporting customer dataUS49888498 april 198829 jan 1991Hitachi, Ltd.Financial transaction systemUS499264610 mei 198912 feb 1991Electronique Serge DassaultTransaction system of the electronic purse typeUS499294013 maart 198912 feb 1991H-Renee, IncorporatedSystem and method for automated selection of equipment for purchase through input of user desired specificationsUS502390412 okt 198911 juni 1991Science Dynamics CorporationDirect telephone dial ordering serviceUS50536076 juni 19891 okt 1991Carlson; Paul R.Point-of-sale device particularly adapted for processing checksUS505409624 okt 19881 okt 1991Empire Blue Cross/Blue ShieldMethod and apparatus for converting documents into electronic data for transaction processingUS508074821 aug 199014 jan 1992Bostec Systems, Inc.Card assembly apparatusUS51113953 nov 19895 mei 1992Janigian; PaulAutomated fund collection system including means to eliminate duplicate entries from a mailing listUS512194513 aug 199016 juni 1992Remittance Technology CorporationFinancial data processing systemUS51229502 nov 198916 juni 1992Moneyfax, Inc.Method of and system for electronic funds transfer via facsimile machinesUS51365022 okt 19914 aug 1992Hartford Fire Insurance CompanySystem for funding, analyzing and managing health care liabilitiesUS517568214 dec 199029 dec 1992Verifone, Inc.Check system and method including prioritizing checks for transmission to banks for processingUS518775015 maart 199116 feb 1993Unisys CorporationArchival document image processing and printing systemUS519897530 nov 198930 maart 1993Valley National BankApparatus and method for processing of check batches in banking operationsUS522597825 jan 19896 juli 1993Usisys Corp.Document processing system having integrated expert moduleUS523715917 juli 199117 aug 1993J. D. Carreker And AssociatesElectronic check presentment systemUS52650077 aug 198923 nov 1993Huntington Bancshares IncorporatedCentral check clearing systemUS52838291 okt 19921 feb 1994Bell Communications Research, Inc.System and method for paying bills electronicallyUS52872699 juli 199015 feb 1994Boardwalk/Starcity CorporationApparatus and method for accessing events, areas and activitiesUS531159426 maart 199310 mei 1994At&T Bell LaboratoriesFraud protection for card transactionsUS53155083 sept 199224 mei 1994Monarch Marking SystemLabel generating and data tracking system for processing purchase ordersUS53212389 juli 199114 juni 1994Fujitsu LimitedBanking apparatus for processing the bill and the checkUS53269594 aug 19925 juli 1994Perazza; Justin J.Automated customer initiated entry remittance processing systemUS533687026 mei 19929 aug 1994Dowlen, John E.System for remote purchase payment transactions and remote bill paymentsUS534917017 feb 199320 sept 1994Unisys CorporationImage-based document processing system providing enhanced transaction balancingUS535090625 nov 199227 sept 1994Wells Fargo Bank, National Association, As Collateral AgentCurrency transfer system and method using fixed limit cardsUS536758131 maart 199322 nov 1994Direct Data SystemsMagnetic reader with read head biased against document by resilient deflection of circuit boardUS537355013 okt 199213 dec 1994At&T Corp.Transmission of check images by way of a public switched telephone networkUS538311325 juli 199117 jan 1995Checkfree CorporationSystem and method for electronically providing customer services including payment of bills, financial analysis and loansUS53964171 nov 19917 maart 1995Capitol Cities/Abc, Inc.Product distribution equipment and methodUS540247411 april 199428 maart 1995International Business Machines CorporationSystem, data processing method and program to provide a programmable interface between a workstation and an archive server to automatically store telephone transaction informationUS541219026 feb 19932 mei 1995J. D. Carreker & Associates, Inc.Electronic check presentment system having a return item notification system incorporated thereinUS542493813 okt 199213 juni 1995First Chicago CorporationMethod and apparatus for providing access to a plurality of payment networksUS54306449 nov 19944 juli 1995Credit Verification CorporationCheck transaction processing, database building and marketing method and system utilizing automatic check readingUS543250625 feb 199211 juli 1995Chapman; Thomas R.Counterfeit document detection systemUS544479425 aug 199322 aug 1995SqnCheck image capture systemUS544484126 april 199422 aug 1995International Business Machines CorporationGraphical user interface control for replicating data fields in formsUS544674017 dec 199329 aug 1995Empire Blue Cross/Blue ShieldMethod of and apparatus for processing data at a remote workstationUS544847130 maart 19945 sept 1995Credit Verification CorporationCheck transaction processing, database building and marketing method and system utilizing automatic check readingUS54652061 nov 19937 nov 1995Visa InternationalElectronic bill pay systemUS547704023 mei 199419 dec 1995Lalonde; Michael G.Structure for a method of facilitating charge transactionsUS54794945 okt 199226 dec 1995At&T Corp.Virtual calling card systemUS548344521 okt 19939 jan 1996American Express TrsAutomated billing consolidation system and methodUS54849889 juni 199416 jan 1996Resource Technology Services, Inc.Checkwriting point of sale systemUS548710017 mei 199423 jan 1996Motorola, Inc.Electronic mail message delivery systemUS550257624 aug 199226 maart 1996Ramsay International CorporationMethod and apparatus for the transmission, storage, and retrieval of documents in an electronic domainUS550467715 okt 19922 april 1996Pollin; Robert E.Automated payment systemUS550669123 maart 19949 april 1996International Business Machines CorporationMethod and apparatus for image processing at remote sitesUS550873125 feb 199316 april 1996Response Reward Systems L.C.Generation of enlarged participatory broadcast audienceUS551325013 okt 199430 april 1996Bell Atlantic Network Services, Inc.Telephone based credit card protectionUS553246425 april 19952 juli 1996J. D. Carreker & Associates, Inc.Electronic check presentment system having a return item notification system incorporated thereinUS55440437 maart 19956 aug 1996Glory Kogyo Kabushiki KaishaCheck processing equipmentUS55440469 sept 19926 aug 1996Mitsubishi Denki Kabushiki KaishaNumerical control unitUS555073423 dec 199327 aug 1996The Pharmacy Fund, Inc.Computerized healthcare accounts receivable purchasing collections securitization and management systemUS555102125 juli 199427 aug 1996Olympus Optical Co., Ltd.Image storing managing apparatus and method for retreiving and displaying merchandise and customer specific sales informationUS555751517 maart 199517 sept 1996Hartford Fire Insurance Company, Inc.Computerized system and method for work managementUS556340012 okt 19948 okt 1996Gemplus Card InternationalMulti-applications portable card for personal computerUS556633023 feb 199515 okt 1996Powersoft CorporationMethod for forming a reusable and modifiable database interface objectUS556848917 april 199522 okt 1996Empire Blue Cross/Blue ShieldMethod and apparatus for processing data received at a remote workstationUS557046520 april 199429 okt 1996Tsakanikas; Peter J.Apparatus, method and system for printing of legal currency and negotiable instrumentsUS557200428 april 19955 nov 1996Landis & Gyr Business Support AgMethod for paying for services and/or goods and apparatus for carrying out the methodUS558375927 juli 199510 dec 1996Huntington Bancshares, Inc.Mechanism for expediting the deposit, transport and submission of checks into the payment systemUS55837603 aug 199410 dec 1996Beneficial Franchise Company, Inc.System for establishing and administering funded and post-funded charge accountsUS55901966 okt 199431 dec 1996Connotech Experts Conseils Inc.Secure payment method using facsimileUS55923779 maart 19957 jan 1997Lipkin; Edward B.Check cashing systemUS559237819 aug 19947 jan 1997Andersen Consulting LlpComputerized order entry system and methodUS55995285 mei 19944 feb 1997Sansho Seiyaku Co., Ltd.Preparation for epidermisUS560302529 juli 199411 feb 1997Borland International, Inc.Methods for hypertext reporting in a relational database management systemUS561510924 mei 199525 maart 1997Asset Trust, Inc.Method of and system for generating feasible, profit maximizing requisition setsUS56212015 feb 199615 april 1997Visa InternationalAutomated purchasing control systemUS564057722 aug 199517 juni 1997Davox CorporationData processing system with automated at least partial forms completionUS564241919 dec 199524 juni 1997Citibank N.A.Method for acquiring and revalidating an electronic credentialUS56491173 juni 199415 juli 1997Midwest Payment SystemsSystem and method for paying bills and other obligations including selective payor and payee controlsUS565278616 mei 199629 juli 1997TelepayAutomated interactive bill payment systemUS565916524 juli 199519 aug 1997Citibank. N.A.Customer-directed, automated process for transferring funds between accounts via a communications networkUS565946927 april 199519 aug 1997Credit Verification CorporationCheck transaction processing, database building and marketing method and system utilizing automatic check readingUS565974117 april 199519 aug 1997Stuart S. BowieComputer system and method for storing medical histories using a carrying size cardUS566649324 aug 19939 sept 1997Lykes Bros., Inc.System for managing customer orders and method of implementationUS62893223 maart 199811 sept 2001Checkfree CorporationElectronic bill processingUS641194229 maart 199625 juni 2002Fujitsu LimitedElectronic transaction system and systems for issuing and examining electronic checkUS2003007008013 mei 200210 april 2003Rosen Sholom S.Electronic-monetary systemUS2004018149324 maart 200416 sept 2004Cross Thomas M.Method and system for real-time transactional information processingNiet-patentcitatiesReferentie1"Business-to-Business EIPP: Presentment Models and Payment Options Part One: Presentment Models," Jan. 2001, Council for Electronic Billing and Payment.2"Business-to-Business EIPP: Presentment Models and Payment Options Part Two: Payment Options," Jan. 2001, Council for Electronic Billing and Payment.3"E-Billing: New Age Electronic Data", Jul. 5, 2000, Bank Technology News.4Annual Report Pursuant to Sectin 13 or 15(D) of the Securities Exchange Act of 1934, Form 10-K, Intelidata Technologies Corporation, Fiscal Year Ended Dec. 31, 2001.5Anonymous; Chase Manhattan Introduces New Fedi Payables Product, Proquest Document ID: 7806951, ISSN/ISBN: 02686635, May 1995.6Anonymous; Chasing the Global Trend, Cash Management News, Proquest Document ID 9319923, ISSN/ISBN: 02686635, Dec. 1995.7Anonymous; Operating in a Multi-Currency Environment, Proquest Document ID 9215937, ISSN/ISBN 09589309, Oct. 1995.8Anonymous; Systems Spell Change for Foreign Exchange, Global Investor, Proquest Document ID 1056152B, ISSN/ISBN: 09513604, Nov. 1996.9Anonymous; Visa & Carnegie Mellon Plan Online Payment Scheme, Newsbyte News Network, Feb. 15, 1995.10Armstrong, Douglas; Norwest Eases Difficulty of Interstate Banking Bank's Customers May Use the Same Account Number at Any Branch.11B. Malone, "Internet Billing: Building a Secure Global Market," Electronic Commerce World, v11, n1, p. 46, Jan. 2001.12Bills; Chase Pact Done, What's Next for Web Vendors?, The American Banker, Technology Section, Jun. 3, 2002, p. 23.13Blockbuster Running Test of a Stored Value Card, The American Banker, Sep. 1, 1995.14Card Flash Daily Payment Card News, www.cardweb.com, Printed Sep. 23, 2004.15Carreker; Electronics Check Presentment: Capturing New Technology, http://proquest.umi.com, Banking Management, Rolling Meadows: vol. 71, Issue 2, Mar./Apr. 1995, p. 32, 5 pages.16CES/Nabanco Introduces Stores Value Card Technology Blockbuster Video is First Merchant Partner, Business Wire, Inc., Jan. 15, 1996.17Decovny; Net Scope, Banking Technology, May 1997.18Dialog File 20, #10279554; Offer: Book Yourself Free Cassettes; Mar. 25, 2000; Birmingham Post, p. 16.19Du Pont's Electronic Payments, Corporate EFT Report, V9, N1, Dialog File 636, Accession No. 01066902, Jan. 11, 1989.20Fidelity Helps Fund Sellers Trim the Taxes They'll Owe, The Wall Street Journal, Nov. 7, 2002.21Financial News; Wells Fargo Rolls Out Nationwide Lockbox Check Conversion, PR Newswire Association, Apr. 22, 2003.22First Data Markets Stored-Value Cards, Cards International, Jan. 30, 1996, p. 5.23French; Tech Stocks: Market Movers, Investors Worry Checkfree Being Chased From its Own Game, http://www.thestreet.com, Jun. 20, 2002.24G. Platt, "Online Billing & Payments: Technology Providers Multiply," Global Finance, v15, n4, p. 40, Apr. 2001.25Gluck; Creating a Global Cash-Management Game Plan, Bank Systems & Technology, Feb. 1997, p. 28.26Goode; On Profit, Loss and the Mysteries of the Mind, The New York Times, Nov. 5, 2002.27Harsh Truth: Your Investments Likely Won't Make Any Money.28Henry Urrows and Elizabeth Urrows, Automated imaging in financial services., Sep.-Oct. 1991, Document Image Automation, vol. 11, No. 5, pp. 259(16).29J. Akister et al., "Electronic Cheque Processing System," U.S. Appl. No. 09/633,861, filed Aug. 7, 2000.30J. Patel et al., "E-Billing Moves Into B2B," Imaging & document solutions, v10, n1, p. 44(5), Jan. 2001.31J. Patel, "Business-to-business E-Billing Heats up", InformationWeek, 246, Oct. 23, 2000.32K. Hill, "The Direction of the Industry Part I: What you need to lead," ebillmag.com, editorial, Jun. 2001.33K. Hill, "The Direction of the Industry Part II: Assessing the leaders in the industry," ebillmag.com, editorial, Jul. 2001.34Lamond, Keith; Credit Card Transactions Real World and Online, http://www.virtualschool.edu/mon/electronicproperty/klamond/credit-card.htm, pp. 1-17, Printed Jul. 8, 2005.35Maher and Troutman; Payor's Prescription for Painless Migration to Electronics Healthcare Payments and Remittance Advices, PNC Bank, Dec. 2001.36Maher and Troutman; Provider's Prescription for Painless Migration to Receipt of Electronic Healthcare Payments and Remittance Advices, PNC Bank, Dec. 2001.37Malhotra; Clearing House Enumerates E-Payments Ills, The American Banker, vol. 167, No. 154, Aug. 23, 2002.38Marjanovic; Corporate Services: Chase Gears Up Global Payments System Series: 16, The American Banker, vol. 160, Issue 174, Sep. 11, 1995, p. 41.39Maturi, Richard; Personal Finance; When You Need to Send Cash in a Flash.40McDonald; The Stars in the Sky Flicker, and Fund Stars Do the Same, The Wall Street Journal, Jan. 15, 2003.41Mokia Announces the World's First NFC Enabled Mobile Product for Contactless Payment and Ticketing, PRNewswire, Feb. 9, 2005.42Money, Initial Launch to 200 Credit Unions, USS Today.com, Jun. 27, 2002.43Norris; First Data Unit Develops Blockbuster Cash Card, Omaha World Hearld Sunrise Edition, Business Section, Jan. 19, 1996, p. 16.44P. Pavlik, "Digital Signature System," U.S. Appl. No. 09/577, 660, filed May 25, 2000.45Press Release, Mar. 5, 2004, Payment Data Systems Files Patent on Debit Card Payment Solution, American City Business Journals, Inc., Mar. 5, 2004.46Reinbach; Chase Steps Up Treasury System, Proquest Document ID 8723558, ISSN/ISBN: 10459472, Nov. 1995.47S. Leibs, "Internet Billing Gets Its Due," CFO, v17, n2, p. 30, Feb. 2001.48Technology, in Brief Wachovia-Intelidata Deal, May 7, 2002.49Terrie Miller and Henry Yan; When Custody Governs, Benefits Canada, Toronto, Feb. 1998, vol. 22, Issue 2, p. 33, 5 pages.50Zuckerman; The Hedge-Fund Craze, The Wall Street Journal, Jun. 12, 2002. Verwijzingen naar dit patent Citerend patent Aanvraagdatum Publicatiedatum Aanvrager TitelUS782710821 nov 20082 nov 2010Visa U.S.A. Inc.System and method of validating a relationship between a user and a user account at a financial institutionUS788588030 sept 20088 feb 2011United Services Automobile Association (Usaa)Atomic deposit transactionCN101860525B25 sept 200914 nov 2012Shenzhen anjie xinlian science and technology co ltdRealizing method of electronic authorization warrant, intelligent terminal, authorization system and verification terminalDraaienOriginele afbeeldingGoogle Startpagina - Sitemap - USPTO-bulkdownloads - Privacybeleid - Servicevoorwaarden - Over Google Patenten - Feedback verzendenGegevens geleverd door IFI CLAIMS Patent Services© 2012 Google