METHODS AND APPARATUS FOR A FINANCIAL DOCUMENT CLEARINGHOUSE AND SECURE DELIVERY NETWORK
First Claim
1. A method in an electronic clearinghouse system (ECS) comprising:
- receiving from a message provider an authorization for the ECS to electronically retrieve and deliver messages to users of the ECS that have a business relationship with the message provider;
receiving from the message provider a selection of electronic delivery options that affect how messages associated with the message provider are to be retrieved and delivered by the ECS;
generating for each of the users of the ECS
1) a vault for electronically storing data in an encrypted format including storing the messages from at least the message provider and
2) an account that allows access to the vault;
receiving from a remote device a request for retrieval and delivery of the messages from the message provider for a first user of the ECS;
generating and storing to a memory device at ECS an electronic delivery agreement between the first user, the message provider and the ECS wherein the electronic delivery agreement includes
1) information indicating the first user wishes the ECS to retrieve and deliver the messages from the message provider into the first user'"'"'s vault at the ECS in accordance with the selection of electronic delivery options and
2) access information that allows the ECS to retrieve and deliver data from the message provider for the first user; and
retrieving, delivering and storing a message associated with the first user from the message provider into the vault of the first user.
4 Assignments
0 Petitions
Accused Products
Abstract
An electronic clearinghouse system (ECS) for securely delivering, retrieving, authenticating, storing, generating and distributing messages, such as financial documents and/or records are described. For message providers, the ECS can provide a secure and trusted venue for delivering messages, such as messages including financial data to their clients that reduces their delivery costs. For users of the ECS, the ECS can provide a central location where each user can receive and consolidate their messages, such as financial documents and associated financial data from a number of different financial data providers. To facilitate these functions, the ECS can include an automated system for recording delivery status as well as evidence of delivery of messages, including whether a message has been viewed by a particular user. Further, the ECS can include components for scheduling events, such as monetary transfers and bill payments, and providing reminders for such events. Also, the ECS can provide utilities that allow a user to package and securely deliver messages to other users.
-
Citations
50 Claims
-
1. A method in an electronic clearinghouse system (ECS) comprising:
-
receiving from a message provider an authorization for the ECS to electronically retrieve and deliver messages to users of the ECS that have a business relationship with the message provider; receiving from the message provider a selection of electronic delivery options that affect how messages associated with the message provider are to be retrieved and delivered by the ECS; generating for each of the users of the ECS
1) a vault for electronically storing data in an encrypted format including storing the messages from at least the message provider and
2) an account that allows access to the vault;receiving from a remote device a request for retrieval and delivery of the messages from the message provider for a first user of the ECS; generating and storing to a memory device at ECS an electronic delivery agreement between the first user, the message provider and the ECS wherein the electronic delivery agreement includes
1) information indicating the first user wishes the ECS to retrieve and deliver the messages from the message provider into the first user'"'"'s vault at the ECS in accordance with the selection of electronic delivery options and
2) access information that allows the ECS to retrieve and deliver data from the message provider for the first user; andretrieving, delivering and storing a message associated with the first user from the message provider into the vault of the first user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
-
-
32. A method in an electronic payroll clearinghouse system (ECS) comprising:
-
receiving from an employee information provider an authorization for the ECS to electronically retrieve and deliver messages including employee payroll and benefit information to users of the ECS; receiving from the employee information provider a selection of electronic delivery options that affect how messages including the payroll and benefit information are to be retrieved and delivered by the ECS; generating for each of the users of the ECS
1) a vault for electronically storing data in an encrypted format including storing the payroll and benefit messages from at least the employee information provider and
2) an account that allows access to the vault;receiving from a remote device a request for retrieval and delivery of the payroll and benefit messages from the employee information provider for a first user of the ECS; generating and storing to a memory device at ECS an electronic delivery agreement between the first user, the employee information provider and the ECS wherein the electronic delivery agreement includes
1) information indicating the first user wishes the ECS to retrieve and deliver the payroll and benefit messages from the employee information provider into the first user'"'"'s vault at the ECS in accordance with the selection of electronic delivery options and
2) access information that allows the ECS to retrieve and deliver data from the employee information provider for the first user; andretrieving, delivering and storing a payroll and benefit message associated with the first user from the employee information provider into the vault of the first user. - View Dependent Claims (33)
-
-
34. A method in an electronic health care data clearinghouse system (ECS) comprising:
-
receiving from a health care information provider an authorization for the ECS to electronically retrieve and deliver messages including health care information to users of the ECS; receiving from the health care provider a selection of electronic delivery options that affect how messages including the health care data are to be retrieved and delivered by the ECS; generating for each of the users of the ECS
1) a vault for electronically storing data in an encrypted format including storing the healthcare information messages from at least the health care information provider and
2) an account that allows access to the vault;receiving from a remote device a request for retrieval and delivery of the health care information messages from the employee information provider for a first user of the ECS; generating and storing to a memory device at ECS an electronic delivery agreement between the first user, the health care information provider and the ECS wherein the electronic delivery agreement includes
1) information indicating the first user wishes the ECS to retrieve and deliver healthcare information messages from the healthcare information provider into the first user'"'"'s vault at the ECS in accordance with the selection of electronic delivery options and
2) access information that allows the ECS to retrieve and deliver data from the health care information provider for the first user; andretrieving, delivering and storing a health care information message associated with the first user from the employee information provider into the vault of the first user. - View Dependent Claims (35)
-
-
36. A method performed by an electronic clearinghouse system (ECS), comprising:
establishing a first relationship between a first user and an information provider to allow information from the information provider to be delivered to a first vault associated with the first user; establishing a second relationship between a second user and the information provider to allow information from the information provider to be delivered to a second vault associated with the second user; receiving a plurality of sets of information from the information provider; determining that a first set of information is intended for the first user and a second set of information is intended for the second user; encrypting the first set of information with a first encryption key to derive a first set of encrypted information and storing the first set of encrypted information in the first vault; and encrypting the second set of information with a second and different encryption key to derive a second set of encrypted information and storing the second set of encrypted information in the second vault. - View Dependent Claims (37, 38, 39, 40, 41, 42, 43, 45, 46, 47, 48, 49, 50)
-
44. The method of claim 44, wherein the advertisement is selected specifically for the first user based upon one or more characteristics specific to the first user.
Specification