PROCESS OF AND APPARATUS FOR NOTIFICATION OF FINANCIAL DOCUMENTS AND THE LIKE

• US 20100057578A1
• Filed: 11/23/2007
• Published: 03/04/2010
• Est. Priority Date: 11/23/2006
• Status: Active Grant

• Current Assignee: Jagwood Pty., Ltd. (Wrkr Ltd.)
• Original Assignee: Jagwood Pty., Ltd. (Wrkr Ltd.)
• Inventors: Beauchamp, Robin James, Hancock, James Robert, Purcell, Geoffrey Charles, Blair, Andrew
• Granted Patent: US 10,229,454 B2
• Time in Patent Office: Days
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A payee sends a financial document such as an invoice to a payer via a payment adviser service. The payer sends a financial document such as an advice of payment to the payment adviser service and instructions for payment to a payment clearance system. The payment clearance system sends to the payee information on where to access the financial document by including it in the payee'"'"'s bank statement.

Claims

1. In a system which includes:

a payer;

a payee;

and a payments clearance system which includes a payer'"'"'s financial institution and a payee'"'"'s financial institution,

a process comprising;

providing a payments adviser system; and

the payer sending

to the payee via the payments clearance system;

a payment; and

an identifier that signifies to the payee the location to access a financial document; and

the financial document to the location that is signified by the identifier.

2. A system as claimed in claim 1. in which:

the identifier signifies a location within the payments adviser system; and

the location to which the payer sends the financial document is that location within the payments adviser system.

3. A system as claimed in claim 2. in which the identifier is a uniform resource identifier (URI).

4. A system as claimed in claim 1, in which the payments clearance system communicates the Identifier to the payee.

5. A system as claimed in claim 4, in which the payments clearance system communicates the identifier to the payee by including it in the payee'"'"'s bank statement.

6. A system as claimed in claim 1, in which the payments clearance system includes the identifier in the payer'"'"'s bank statement.

7. A system as claimed in claim 1, in which the payer sends the financial document over the Internet.

8. A system as claimed in claim 1, in which the payee uses the identifier to access the financial document.

9. A system as claimed in claim 8, in which the payee is allowed access to the financial document only on the production of security authentication information to the payments adviser system.

10. A system as claimed in claim 9, in which the security authentication information comprises the payment account details and a document reference code.

11. A system as claimed in claim 10, in which fine security authentication information further comprises at least one of:

the payment date;

the payment amount; and

a secret shared secret between the payer and payee.

12. A system as claimed in claim 1, further comprising, before the payer sends a payment to the payee via the payments clearance system, the payee sending a financial document to the payer.

13. A system as claimed in claim 12, in which at least one of the payer'"'"'s bank statement and the payee'"'"'s bank statement, includes an identifier that signifies a location of the financial document that the payee sends to the payer.

14. A system as claimed in claim 13, in which the location of the financial document that the payee sends to the payer is within the payments adviser system.

15. As system as claimed in claim 1, in which the financial document that the payee sends to the payer includes an identifier that signifies a location of a request for a payment that the payee sends to the payer.

16. A system as claimed in claim 15, in which the location of the request for a payment that the payee sends to the payer is within the payments adviser system.

17. A system as claimed in claim 12, in which the financial document that the payee sends to the payer is an invoice.

18. A process of a payee accessing a financial document, the process comprising the payee receiving an identifier that signifies to the payee the location to access a financial document.

19. A process as claimed in claim 18, in which the location to access the financial document is within a payments adviser system.

20. A process as claimed in claim 18, the process further comprising the payee using the identifier to access the financial document.

21. A process of a payer:

sending to a payee through a payments clearance system;

a payment; and

an identifier that signifies to the payee the location to access a financial document and

sending that financial document to the location that is signified by the identifier.

22. A process as claimed in claim 21, in which:

the identifier signifies a location within a payments adviser system; and

the location to which the payee sends the financial document is that location within the payments adviser system.

23. In a system which includes:

a payer;

a payee; and

a payments clearance system which includes a payer'"'"'s financial institution and a payee'"'"'s financial institution,

a process comprising;

providing a payments adviser system; and

the payee sending

to the payer'"'"'s financial institution through the payments clearance system;

a request for a payment; and

an identifier that signifies to the payer the location to access a financial document; and

the financial document to the location that is signified by the identifier.

24. A process as claimed in claim 23, in which:

the identifier signifies a location within the payments adviser system; and

the location to which the payee sends the financial document is that location within the payments adviser system.

25. A system as claimed in claim 23, in which the identifier is a uniform resource identifier (URI).

26. A system as claimed in claim 23, in which the payments clearance system communicates the identifier to the payer.

27. A system as claimed in claim 26, in which the payments clearance system communicates the identifier to the payer by including it in the payer'"'"'s bank statement.

28. A system as claimed in claim 23, in which the payments clearance system includes the identifier in the payee'"'"'s bank statement.

29. A system as claimed in claim 23, in which the payee sends die financial document over the Internet.

30. A system as claimed in claim 23, in which the payer uses the identifier to access the financial document.

31. A system as claimed in claim 30, in which the payer is allowed access to the financial document only on the production of security authentication Information to the payments adviser system.

32. A system as claimed in claim 31, In which the security authentication information comprises the payment account details and a document reference code.

33. A system as claimed in claim 32, in which the security authentication information farther comprises at least one of:

the payment date;

the payment amount; and

a secret shared secret between the payer and payee.

34. A system as claimed in claim 23, further comprising, before the payee sends a request for payment to the payer'"'"'s financial institution, the payee sends a financial document to the payer.

35. A system as claimed in claim 34, in which at least one of:

the payer'"'"'s bank statement; and

the payee'"'"'s bank statement,

includes an identifier that signifies a location of the financial document that the payee sends to the payer.

36. A system as claimed in claim 23, in which the financial document that the payee sends to the payer includes an identifier that signifies a location of the request for a payment that the payee sends to the payer.

37. A system as claimed in claim 36, in which the location of the request for a payment that the payee sends to the payer is within the payments adviser system.

38. A system as claimed in claim 36, in which the financial document that the payee sends to the payer is an invoice.

39. A system as claimed in claim 23, in which both:

the request for a payment; and

the identifier that signifies to the payer the location to access a financial document within the payments adviser system,

are both generated within a point-of-sale transaction system operated by the payee.

40. A process of a payee:

sending to a payer'"'"'s financial institution through a payments clearance system;

a request for a payment; and

an identifier that signifies to the payer the location to access a financial document; and

sending that financial document to the location that is signified by the identifier.

41. A process as claimed in claim 40, in which:

the identifier signifies a location within the payments adviser system; and

the location to which the payer sends the financial document is that location within the payments adviser system.