System and method for utility meter swipecard

• US 20020040355A1
• Filed: 07/26/2001
• Published: 04/04/2002
• Est. Priority Date: 10/02/2000
• Status: Abandoned Application

• Current Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Weiner, Steven D.
• Application Number:
  US09/915,737
• Publication Number:
  US 20020040355A1
• Time in Patent Office: Days
• US Class Current: 705/412
• CPC Class Codes: G06Q 20/127 Shopping or accessing services according to a time-limitation
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 50/06 Energy or water supply
• CPC Class Codes: G07F 17/0014 for vending, access and use of specific services not covered anywhere else in G07F17/00 meter-controlled dispensing of liquid, gas or electricity G07F15/00

Abstract

A system for remote payment of utility usage including a customer terminal and a utility provider server wherein the customer terminal includes a utility meter for collecting utility usage data and an input device configured to receive customer account information. At any time during a billing cycle, a customer may prompt the customer terminal to make payment by inserting account information into the customer terminal. The utility provider server may communicate with the customer terminal to transmit and receive customer account information, payment information, usage data, rate data, and other information.

Claims

1. A system for remote payment of utility usage wherein said system comprises a customer terminal and a utility provider server, said system includes:

a customer terminal including a utility meter for collecting utility usage data wherein said utility meter is in communication with said customer terminal through a utility meter interface;

utility meter software configured to generate billing information comprising said usage data;

an input device associated with said customer terminal wherein said input device is configured to receive customer account information;

a network interface associated with said customer terminal wherein said network interface is configured to communicate with said utility provider server;

a utility provider server including a network interface associated with said utility provider server wherein said network interface is configured to communicate with said customer terminal; and

wherein said customer terminal generates a payment data packet comprising said billing information and said account information, said payment data packet is transmitted to said utility provider server.

2. The remote payment system of claim 1 wherein said utility meter further comprises an analog to digital converter configured to convert analog meter data from an analog meter into a digital data.

3. The remote payment system of claim 1 wherein said input device comprises a payment card reader, keyboard, mouse, kiosk, personal digital assistant, handheld computer, or cellular phone.

4. The payment card reader of claim 3 wherein said payment card reader is configured to read magnetic stripe cards, smart cards, or optical cards.

5. The remote payment system of claim 1 further comprising a display device associated with said customer terminal.

6. The remote payment system of claim 1 further comprising a wireless transceiver associated with said customer terminal.

7. The remote payment system of claim 1 further comprising a wireless transceiver associated with said utility provider server.

8. The remote payment system of claim 1 wherein said utility meter software is stored on a data storage device associated with said customer terminal.

9. The remote payment system of claim 1 wherein said utility server provider further comprises a database wherein said database comprises data including customer, rate, and billing information.

10. The remote payment system of claim 1 wherein said utility server further comprises billing software wherein said billing software reconciles said payment data packet received from said customer terminal.

11. A system for remote payment of utility usage wherein said system comprises a personal computer and a utility provider server, said system includes:

a personal computer associated with a utility meter for collecting utility usage data wherein said utility meter is in communication with said personal computer through a utility meter interface;

utility meter software configured to generate billing information comprising said usage data;

an input device associated with said personal computer wherein said input device is configured to receive customer account information;

a network interface associated with said personal computer wherein said network interface is configured to communicate with said utility provider server;

a utility provider server including a network interface associated with said utility provider server wherein said network interface is configured to communicate with said personal computer; and

wherein said personal computer generates a payment data packet comprising said billing information and said account information, and wherein said payment data packet is transmitted to said utility provider server.

12. The remote payment system of claim 11 wherein said utility meter further comprises an analog to digital converter configured to convert analog meter data from an analog meter into a digital data.

13. The remote payment system of claim 11 wherein said input device comprises a payment card reader, keyboard, mouse, kiosk, personal digital assistant, handheld computer, or cellular phone.

14. The payment card reader of claim 13 wherein said payment card reader is configured to read magnetic stripe cards, smart cards, or optical cards.

15. The remote payment system of claim 11 further comprising a wireless transceiver associated with said personal computer.

16. The remote payment system of claim 11 further comprising a wireless transceiver associated with said utility provider server.

17. The remote payment system of claim 11 wherein said utility meter software is stored on a database associated with said personal computer.

18. The remote payment system of claim 11 wherein said utility server provider further comprises a database wherein said database comprises data including customer, rate, and billing information.

19. The remote payment system of claim 11 wherein said utility server further comprises billing software wherein said billing software reconciles said payment data packet received from said personal computer.

20. A method of paying for utility usage using a utility meter in association with a customer terminal, said method includes:

monitoring and storing utility usage data from a utility meter;

obtaining rate data;

calculating billing information, wherein said billing information comprises said utility usage data and said rate data;

displaying said billing information on a display associated with said customer terminal;

receiving customer account information into an input device associated with said customer terminal;

preparing a payment data packet comprising customer account information and billing information; and

transmitting said payment data packet to a utility provider server.

21. The method according to claim 20 wherein said rate data is transmitted to said customer terminal from said utility server provider.

22. The method according to claim 20 wherein said rate data is manually entered into said customer terminal.

23. The method according to claim 20 wherein said payment data packet is encrypted prior to transmitting to said utility server provider.

24. The method according to claim 20 wherein said payment data packet is decrypted upon receipt by said utility server provider.

25. The method according to claim 20 wherein said utility provider server reconciles said payment data packet.

26. The method according to claim 20 wherein said utility provider server transmits a confirmation message back to said customer terminal upon verification of said payment data packet.

27. The method according to claim 20 wherein said utility provider server transmits an error message back to said customer terminal upon failure to verify said payment data packet.

29. The method according to claim 28 wherein said payment data packet is encrypted prior to transmitting to said utility server provider.

30. The method according to claim 28 wherein said payment data packet is decrypted upon receipt by said utility server provider.

31. The method according to claim 28 wherein said utility provider server reconciles said payment data packet.

32. The method according to claim 28 wherein said utility provider server transmits a confirmation message back to said customer terminal upon verification of said payment data packet.

33. The method according to claim 28 wherein said utility provider server transmits an error message back to said customer terminal upon failure to verify said payment data packet.

35. The method of claim 34 wherein said utility provider server transmits a confirmation message back to said customer terminal upon verification of said payment data packet.

36. The method of claim 34 wherein said utility provider server transmits an error message back to said customer terminal upon failure to verify said payment data packet.

37. The method of claim 34 wherein said payment data packet includes customer identification information and customer information account information.

39. The method of claim 38 wherein said customer terminal prompts the customer to make payment.

40. The method of claim 38 wherein said customer initiates payment.

41. The method of claim 38 wherein said input device comprises a payment card reader, keyboard, mouse, kiosk, personal digital assistant, handheld computer, or cellular phone.

42. The method of claim 38 wherein said payment card reader is configured to read magnetic stripe cards, smart cards, or optical cards.

28. A method of paying for utility usage using a utility meter in association with a customer terminal, said method includes:

monitoring and storing utility usage data from a utility meter;

transmitting said utility usage data to a utility provider server;

accessing rate data associated with said utility provider server;

calculating billing information comprising said utility usage data and rate data;

transmitting said billing information to said customer terminal;

displaying said billing information on a display associated with said customer terminal;

receiving customer account information into an input device associated with said customer terminal;

preparing a payment data packet comprising customer account information and billing information; and

transmitting said payment data packet to said utility provider server.

34. A method of paying for utility usage using a utility meter in association with a customer terminal, said method includes:

transmitting a payment data packet from a customer terminal associated with a utility meter to a utility provider server wherein said payment data packet includes customer identification information, customer account information, and billing information; and

reconciling said payment data packet with data associated with said utility provider server.

38. A method of payment for utility usage using a utility meter in association with a customer terminal, said method includes:

viewing utility usage and billing information on a display associated with a customer terminal;

entering customer account information into an input device associated with said customer terminal; and

authorizing an expenditure of a specified amount to said customer account.

43. A method of paying for utility usage through a utility meter in association with a customer terminal wherein said method comprises pre-purchasing said utility prior to usage, said method includes:

displaying at least one prepayment package in a display associated with said customer terminal wherein said prepayment package includes at least one prepayment option for prepayment of a specified quantity of a utility at a fixed rate;

receiving selection of at least one prepayment option and receiving customer account information into an input device associated with said customer terminal;

preparing a payment data packet comprising the prepayment option selected, and customer account information; and

transmitting said payment data packet to said utility provider server.

44. The method according to claim 43 wherein said payment data packet is encrypted prior to transmitting to said utility server provider.

45. The method according to claim 43 wherein said payment data packet is decrypted upon receipt by said utility server provider.

46. The method according to claim 43 wherein said utility provider server reconciles said payment data packet.

47. The method according to claim 43 wherein said utility provider server transmits a confirmation message back to said customer terminal upon verification of said payment data packet.

48. The method according to claim 43 wherein said utility provider server transmits an error message back to said customer terminal upon failure to verify said payment data packet.