Systems, methods and apparatus for secure printing of negotiable instruments

• US 20030014368A1
• Filed: 07/09/2002
• Published: 01/16/2003
• Est. Priority Date: 07/09/2001
• Status: Abandoned Application

• Current Assignee: MoneyGram Payment Systems Incorporated (MoneyGram International Incorporated)
• Original Assignee: Travelers Express Company, Inc. (MoneyGram International Incorporated)
• Inventors: Olson, Michael, Moos, Dave, Leurig, Richard, Vandelac, Julie
• Application Number:
  US10/192,074
• Publication Number:
  US 20030014368A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/0425 the cheque being electronic only
• CPC Class Codes: G06Q 20/0457 the tickets being sent electronically
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G07F 17/42 for ticket printing or like apparatus , e.g. apparatus for dispensing of printed paper tickets or payment cards

Abstract

A secure system for requesting, approving, and printing negotiable instruments operates in a web-enabled browser-based environment. Users at a remote location connect to a central server using a conventional browser on a client computer via the Internet or another network. The user provides a digital credential such as a userid/password pair for authentication. If the user is approved, a secure connection between the server and the client computer is established. The secure connection may then be used to transfer print requests from the client to the server, or to transfer approved print jobs from the server to the client using data encryption and/or compression to secure the file. Before the negotiable instruments are printed, the server obtains identifying information from the printer and verifies that the user is authorized to use the particular printer. If the user is authorized, the negotiable instrument is printed on the printer. Various embodiments further provide reporting of negotiable instruments, as well as the ability to track or cancel instruments that have been previously issued/printed.

Claims

1. A system for printing a negotiable instrument over a digital network, the system comprising:

a client computer;

a server communicating with the client computer over the digital network, wherein the server is configured to receive an authorization request from the client computer, to establish a secure connection with the client computer if the authorization request is approved, to receive a subsequent request to print the document from the client computer via the secure connection, and to provide a data file describing the document to the client computer via the secure connection in response to the subsequent request; and

a printer coupled to the client computer, wherein the printer is configured to receive the data file via a second secure connection between the client computer and the printer, to decrypt the data file, and to print the transaction instrument using the data file.

2. The system of claim 1 wherein the request comprises a digital credential.

3. The system of claim 2 further comprising a database in communication with the server, and wherein the server is further operable to query the database to verify the request.

4. The system of claim 3 wherein the server is further operable to query the printer prior to providing the data file to obtain identifying information about the printer, and to correlate the identifying information with the digital credential.

5. The system of claim 4 wherein the server is further operable to correlate the identifying information and the digital credential with an entry in the database.

6. The system of claim 2 wherein the digital credential comprises a password.

7. The system of claim 2 wherein the digital credential comprises a digital signature.

8. The system of claim 1 wherein the client computer is further configured to receive the data file from the server via the secure connection, to format the data file, and to encrypt the data file in the encrypted format prior to passing the data file to the printer.

9. The system of claim 8 wherein the second secure connection comprises data encryption standard (DES) encryption.

10. The system of claim 9 wherein the secure connection comprises secure sockets layer (SSL) cryptography.

11. A method of printing a negotiable instrument, the method comprising the steps of:

providing a user credential to a server to establish a secure connection with the server;

requesting a print transaction from the server via the secure connection;

receiving a data file from the server in response to the requesting step, wherein the data file contains information about the negotiable instrument;

establishing a second secure connection with a printer; and

transmitting the data file to the printer via the second secure connection to print the negotiable instrument.

12. The method of claim 11 further comprising the step of obtaining a confirmation from the printer to verify that printing is complete.

13. The method of claim 11 further comprising the step of providing a menu to the user, the menu comprising an option to track the negotiable instrument after the negotiable instrument has been printed.

14. The method of claim 13 wherein the menu further comprises an option to stop payment of the negotiable instrument.

15. The method of claim 13 wherein the menu further comprises an option to void the negotiable instrument.

16. The method of claim 13 wherein the menu further comprises an option to process the refund for a negotiable instrument.

17. The method of claim 13 wherein the menu further comprises an option to delete the negotiable instrument.

18. The method of claim 13 wherein the menu further comprises an option to provide the photocopy of a negotiable instrument.

19. The method of claim 13 wherein the menu further comprises an option to replace the negotiable instrument.

20. The method of claim 13 wherein the menu further comprises an option to view an image of the negotiable instrument.

21. The method of claim 13 wherein the menu further comprises an option to reprint the transaction instrument.

22. The method of claim 11 wherein the step of providing a credential comprises establishing a first browser session with the server.

23. The method of claim 22 wherein the requesting step comprises opening a second browser session over the secure connection with the server.

24. The method of claim 23 wherein the requesting step further comprises the steps of:

receiving a printer status query from the server at the second browser session;

opening a printer connection from the second browser session to the printer;

receiving a printer status response from the printer via the printer connection; and

providing the printer status response to the server via the second browser session.

25. The method of claim 24 further comprising the step of unlocking a secure printing function in the printer.

26. The method of claim 11 wherein the data file comprises an extensible markup language format.

27. The method of claim 26 wherein the data file is encrypted prior to the receiving step.

28. The method of claim 27 further comprising the step of formatting the data file after the receiving step.

29. The method of claim 28 wherein the formatting step comprises decrypting the data file.

30. The method of claim 29 wherein the formatting step further comprises formatting the data file in a printer-readable format.

31. The method of claim 30 wherein the formatting step further comprises encrypting the data file prior to the step of providing the data file to the printer.

32. The method of claim 31 wherein the encrypting step comprises data encryption standard (DES) cryptography.

33. A method of processing a negotiable instrument, the method comprising the steps of:

receiving a credential from a client computer;

validating the credential to authenticate a user of the client computer;

establishing a secure connection with the client computer in response to successful validation;

receiving a request via the secure connection to print the negotiable instrument;

querying the client computer to obtain identifying information about a printer;

correlating the identifying information with the credential to confirm that the user is authorized to use the printer; and

providing an encrypted data file containing information about the negotiable instrument to the client computer in response to successful confirmation of the user.

35. The application server of claim 34 wherein the application server communicates with the digital network through an external firewall.

36. The applications server of claim 35 wherein the application server further communicates with the digital network through an internal firewall.

37. The applications server of claim 34 wherein the encryption component is further operable to compress the data file.

34. An application server for processing a document over a digital network, the application server communicating via the digital network and with a database, wherein the applications server comprises:

an administrative component configured to receive a credential from a user at a client computer, to validate the credential with the database, and to establish a secure connection with the client computer in response to successful validation of the credential;

a print component responsive to a request via the secure connection to print the negotiable instrument, wherein the print module is configured to query the client computer to obtain identifying information about the printer, and to communicate with the security module to verify that the user is authorized to access the printer; and

an encryption component configured to encrypt a data file containing information about the document to the client computer in response to successful verification of the user, whereupon the encrypted data file is provided to the client computer for printing the document.

38. A computer-readable medium having computer-executable instructions stored thereon for controlling a computer to process a negotiable instrument, wherein the instructions comprise:

a first software component configured to provide a credential received from a user to a server to establish a secure connection with the server;

a second software component configured to request authorization from the server for a print transaction via the secure connection;

a third software component configured to receive a data file associated with the negotiable instrument from the server via the secure connection in response to the request;

a fourth software component configured to establish a second secure connection with a printer; and

a fifth software component configured to transmit the data file to the printer via the second secure connection to print the negotiable instrument.

39. A computer-readable medium having computer-executable instructions stored thereon for controlling a computer to process a negotiable instrument, wherein the instructions comprise:

a first software component configured to receive a credential from a client computer;

a second software component configured to validate the credential to authenticate a user of the client computer;

a third software component configured to establish a secure connection with the client computer in response to successful validation;

a fourth software component configured to receive a request via the secure connection to print the negotiable instrument;

a fifth software component configured to query the client computer to obtain identifying information from a printer;

a sixth software component configured to correlate the identifying information with the credential to confirm that the user is authorized to use the printer; and

a seventh software component configured to provide a data file containing information about the payment information to the client computer in response to successful confirmation of the user.

40. A system for processing a document over a digital network, the system comprising:

a client computer;

a server communicating with the client computer over the digital network, wherein the server comprises;

means for receiving an authorization request from the client computer,

means for establishing a secure connection with the client computer if the authorization request is approved;

means for receiving a subsequent request to print the document from the client computer via the secure connection; and

means for providing a data file describing the document to the client computer via the secure connection in response to the subsequent request; and

a printer coupled to the client computer, wherein the printer comprises;

means for receiving the data file via a second secure connection between the client computer and the printer;

means for decrypting the data file; and

means for printing the document using the data file.

41. A method of operating a system for printing negotiable instruments over a digital network, the method comprising the steps of:

inputting an identifying credential into a user interface to a client computer on the digital network to create a secure connection between the client computer and the server;

submitting transaction data for the negotiable instrument via the user interface to the server for approval;

placing a print request via the user interface to print the transaction instrument after approval is granted, wherein the print request initiates transfer of print data from the server to the client computer via the secure connection and wherein the print data is provided from the client computer to a printer via a second secure connection.

42. The method of claim 41 further comprising the step of monitoring the negotiable instrument via the user interface after placing the print request.

43. The method of claim 41 further comprising the step of canceling the negotiable instrument via the user interface after placing the print request.

44. The method of claim 41 wherein the print request further initiates a transfer of printer information from the printer to the server to allow retrieval of print data from the server only if the user is approved to use the printer.

49. The system of claim 48 wherein the print manager component is further configured to decrypt the data file received from the server.

50. The system of claim 49 wherein the print manager component is operable to convert the data file from an XML format to a printer-executable formatted data file.

51. The system of claim 50 wherein the print manager component is further configured to encrypt the formatted data file prior to providing the formatted data file to the printer.

45. A method of printing a negotiable instrument over a digital network, the method comprising the steps of:

contacting a server via a first secure connection on the digital network to validate a print request;

receiving a data file from the server via the first secure connection in response to the print request;

processing the data file to create a formatted file;

establishing a second secure connection to a printer;

providing the formatted file to the printer via the secure connection; and

receiving a confirmation from the printer that printing is complete.

46. The method of claim 45wherein the processing step comprises decrypting the data file.

47. The method of claim 46wherein the processing step further comprises encrypting the formatted file prior to the providing step.

48. A client system for printing a document over a digital network, the system comprising:

a first browser session configured to receive a credential from a user and to provide the credential to the server via the digital network, the browser interface having a security component configured to establish a secure connection between the browser interface and the server upon authentication of the credential by the server;

a second browser session communicating with the server via the secure connection; and

a print manager component in communication with the second browser session configured to receive a data file describing the document from the server, to process the data file to create a formatted data file, to establish a second secure connection with a printer, and to provide the formatted data file to the printer to print the document.