Secure interactive electronic account statement delivery system
US6285991A · kind A · utility
Assignee
Inventor
Key dates
| Filing date | Dec 13, 1996 |
| Grant date | Sep 4, 2001 |
| Priority date | — |
| Expiry date | Dec 13, 2016 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q20/38215
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
The present invention consists of a secure interactive electronic account statement delivery system suitable for use over open networks such as the Internet. The invention utilizes a certification hierarchy to insure that electronic bills, invoices, and other account statements can be securely sent over open networks. The participants in the system are a certification authority, certificated banks, billers, and customers. The certification authority grants digital certificates to the certificated banks, which in turn grant digital certificates to billers and customers. Digital certificates form the basis for encryption and authentication of network communications, using public and private keys. The certificates associate a customer and biller with a certificated bank and with the electronic billing system, much like payment cards associate a customer with a payment card issuer and a particular payment card system. Digital signatures are used for authentication and non-repudiation. The certificates may be stored as digital data on storage media of a customer's or biller's computer system, or may be contained in integrated circuit or chip cards physically issued to billers and custom…
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.