Image based invoice payment with digital signature verification
First Claim
1. A method of processing payment of an invoice received by a billee, comprising:
- receiving an electronic image of said invoice and payment information relating to said invoice from said billee, said payment information including a payment amount to be paid against said invoice;
generating a signed payment data element, said signed payment data element comprising a first portion including said electronic image of said invoice, at least a portion of said payment information including at least said payment amount, and OCR data obtained from said electronic image of said invoice through optical character recognition, and a second portion including a digital signature of said first portion generated using a private key of a payment system of a bank of said billee; and
transmitting said signed payment data element to said billee.
1 Assignment
0 Petitions
Accused Products
Abstract
A method of processing the payment of an invoice received by a billee includes receiving an electronic image of the invoice and payment information, including a payment amount, relating to the invoice from the billee, and generating a signed payment data element that includes a first portion including the electronic image, at least a portion of the payment information including at least the payment amount, and OCR data obtained from the electronic image, and a second portion that includes a digital signature of the first portion generated using a private key of a payment system of the billee'"'"'s bank. The signed payment data element is transmitted to the billee so that it may be associated with the invoice.
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Citations
25 Claims
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1. A method of processing payment of an invoice received by a billee, comprising:
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receiving an electronic image of said invoice and payment information relating to said invoice from said billee, said payment information including a payment amount to be paid against said invoice; generating a signed payment data element, said signed payment data element comprising a first portion including said electronic image of said invoice, at least a portion of said payment information including at least said payment amount, and OCR data obtained from said electronic image of said invoice through optical character recognition, and a second portion including a digital signature of said first portion generated using a private key of a payment system of a bank of said billee; and transmitting said signed payment data element to said billee. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method of arranging payment of an invoice received by a billee, comprising:
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generating an electronic image of said invoice; transmitting at least said electronic image and payment information relating to said invoice to a payment system of a bank of said billee, said payment information including a payment amount to be paid against said invoice; receiving a signed payment data element from said payment system, said signed payment data element comprising a first portion including said electronic image of said invoice, at least a portion of said payment information including at least said payment amount, and OCR data obtained from said electronic image of said invoice through optical character recognition, and a second portion including a digital signature of said first portion generated using a private key of said payment system; and associating said signed payment data element with said invoice; wherein said payment system causes a payment to be made to a biller associated with said invoice in an amount equal to said payment amount. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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Specification