SECURE EMAIL

• US 20140052626A1
• Filed: 10/25/2013
• Published: 02/20/2014
• Est. Priority Date: 07/22/2008
• Status: Abandoned Application

• Current Assignee: Scayl, Inc.
• Original Assignee: Scayl, Inc.
• Inventors: Mitchell, Mark T., Kallman, William R., Hoffman, Donald L.
• Application Number:
  US14/063,892
• Publication Number:
  US 20140052626A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06F 21/606 by securing the transmission between two devices or processes
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing 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

Abstract

Methods of paying debt over a network and debtor computer systems are provided for forming a secure email link between the debtor computer system and a creditor computer system; transmitting a notice of debt from the creditor computer system to the debtor computer system using the secure email link; and paying at least a portion of the debt at the debtor computer system based upon the notice of debt. The secure email link may be formed over a peer-to-peer email system.

Claims

1. A method of paying a debt over a network, comprising:

forming a secure email link between a debtor computer system and a creditor computer system;

transmitting a notice of debt from the creditor computer system to the debtor computer system using the secure email link; and

paying at least a portion of the debt at the debtor computer system based upon the notice of debt.

2. The method of claim 1, wherein paying at least a portion of the debt includes transmitting instructions to pay at least a portion of the debt from the debtor computer system directly to the creditor computer system using the secure email link.

3. The method of claim 1, further comprising interacting with an interface on the notice of debt at the debtor computer system to pay at least a portion of the debt.

4. The method of claim 1, further comprising storing the notice of debt in a secure portion of memory of the debtor computer system.

5. The method of claim 4, wherein the secure portion of memory of the debtor computer system is protected with a credential.

6. The method of claim 1, wherein paying at least a portion of the debt includes automatically logging the debtor computer system into a payment computer system to pay the debt without requiring manual entry of a login credential for the payment computer system.

7. The method of claim 6, wherein automatically logging the debtor computer system into the payment computer system to pay the debt includes reading the login credential from a secure portion of memory of the debtor computer system that is protected with a local credential.

8. The method of claim 7, further comprising:

reading a second login credential from a second secure portion of memory of the debtor computer system, the second secure portion of memory being protected with the local credential; and

paying at least a portion of a second debt at the debtor computer system by automatically logging the debtor computer system into a second payment computer system using the second login credential.

9. The method of claim 1, further comprising:

setting a scheduled time to pay the at least a portion of the debt at the debtor computer system;

wherein paying the at least a portion of the debt includes automatically paying the at least a portion of the debt at the scheduled time.

10. A debtor computer system configured to:

form a secure email link with a creditor computer system;

receive a notice of debt from the creditor computer system using the secure email link; and

pay at least a portion of the debt based upon the notice of debt.

11. The debtor computer system of claim 10, further configured to transmit instructions directly to the creditor computer system using the secure email link to pay at least a portion of the debt.

12. The debtor computer system of claim 10, wherein the notice of debt includes an interactive interface to pay at least a portion of the debt.

13. The debtor computer system of claim 10, further configured to store the notice of debt in a secure portion of memory.

14. The debtor computer system of claim 13, wherein the secure portion of memory is protected with a credential.

15. The debtor computer system of claim 10, further configured to automatically log into a payment computer system to pay the debt without requiring manual entry of a login credential for the payment computer system.

16. The debtor computer system of claim 15, further configured to the login credential from a secure portion of memory that is protected with a local credential.

17. The debtor computer system of claim 10, further configured to:

read a second login credential from a second secure portion of memory, the second secure portion of memory being protected with the local credential; and

pay at least a portion of a second debt by automatically logging into a second payment computer system using the second login credential.

18. The debtor computer system of claim 10, further configured to:

set a scheduled time to pay the at least a portion of the debt; and

automatically pay the at least a portion of the debt at the scheduled time.

19. A debtor computer system configured to:

form a secure email link with a creditor computer system over a peer-to-peer email system;

receive a notice of debt from the creditor computer system using the secure email link; and

transmit instructions over the peer-to-peer email system directly to the creditor computer system using the secure email link to pay at least a portion of the debt.

20. The debtor computer system of claim 19, wherein the notice of debt includes an interactive interface to cause the instructions to be transmitted over the peer-to-peer email system directly to the creditor.