Method and system for bill management

• US 7,707,082 B1
• Filed: 05/23/2000
• Issued: 04/27/2010
• Est. Priority Date: 05/25/1999
• Status: Expired due to Fees

• Current Assignee: Silverbrook Research Pty Limited
• Original Assignee: Silverbrook Research Pty Limited
• Inventors: Lapstun, Paul, Silverbrook, Kia, Lapstun, Jacqueline Anne
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US09/575,181
• Time in Patent Office: 3,626 Days
• Field of Search: 705/40, 705/53, 705/56, 705/58, 705/62, 705/75, 705/67, 705/70, 705/72, 705/73, 705/77, 705/79, 705/21, 705/23, 705/33, 705/34, 705/39, 705/35, 705/38
• US Class Current: 705/35
• CPC Class Codes: G06F 3/0321 by optically sensing the absolute position with respect to a regularly patterned surface forming a passive digitiser, e.g. pen optically detecting position indicative tags printed on a paper sheet constructional details of pen-shaped pointing devices G06F3/03545, G06F3/03542, G06F3/037
• CPC Class Codes: G06F 3/03545 Pens or stylus
• CPC Class Codes: G06F 3/04883 for inputting data by handwriting, e.g. gesture or text
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06V 10/12 Details of acquisition arrangements; Constructional details thereof
• CPC Class Codes: G06V 30/1423 the instrument generating sequences of position coordinates corresponding to handwriting preprocessing or recognising digital ink G06V30/32
• CPC Class Codes: G08C 21/00 Systems for transmitting the position of an object with respect to a predetermined reference system, e.g. tele-autographic system

Abstract

Methods and systems are disclosed which relate to online bill management via interface surfaces printed with information and coded data. The coded data, encoded visibly or invisibly, may be queried by an appropriate sensing device. The sensing device communicates with a computer system. Together, the interface surfaces, sensing device and computer system are capable of effecting online bill management, including bill payment, over a network.

Claims

1. A method of supporting a user in performing online bill payment, the method including the steps of, in a computer system:

maintaining a page description corresponding to a printed form, said printed form including information relating to a bill paying transaction, and coded data printed as a collection of tags, each tag being indicative of an identity of the form and of a a location of the tag on the form, at least some of the coded data being coincident with the information;

receiving, indicating data from an optically imaging pen operated by the user, the indicating data being indicative of the identity of the form and of a position of a nib of the pen relative to the form, the indicating data having been generated by the pen using at least some of the coded data it sensed when placed in an operative position relative to the form;

retrieving the page description using the identity of the form; and

identifying from the position of the nib and the retrieved page description, at least one parameter relating to the bill paying transaction,

wherein the position of the nib is determined by inferring a perspective transform from perspective-distorted corners of a tag of known size when sensing the coded data and using the perspective transform together with a known geometry of pen optics to compute the position of the nib.

2. The method of claim 1 in which said at least one parameter relating to the bill paying transaction is associated with at least one zone of the form and in which the method includes identifying, in the computer system and from the zone indicated by the position of the nib as indicated by the indicating data, said at least one parameter.

3. The method of claim 2 wherein:

the indicating data includes movement data indicative of movement of the pen relative to the form, the pen having generated the movement data using at least some of the coded data, and wherein the at least one parameter is identified in the computer system by determining that the movement was at least partially within said at least one zone.

4. The method of claim 2 in which the at least one parameter is an action parameter of the bill paying transaction, the method including effecting, in the computer system, an operation in respect of the action parameter.

5. The method of claim 4 in which the action parameter of the bill paying transaction is selected from the group comprising:

requesting information relating to a bill, initiating bill payment, resetting the form, electronically forwarding a bill, paying a bill, printing a bill, canceling a bill payment, listing due bills, listing or adding billers, listing, adding or removing payment methods and listing or removing failed bills.

6. The method claim 3 in which the at least one parameter is an option parameter of the bill paying transaction, the method including identifying, in the computer system, that the user has entered a hand-drawn mark by means of the pen and effecting, in the computer system, an operation associated with the option parameter.

7. The method of claim 6 in which the option parameter is associated with at least one of:

a payment method, card type, bill payment line, autopay option, and account type.

8. The method of claim 3 in which the at least one parameter is a text parameter of the bill paying transaction, the method including identifying, in the computer system, that the user has entered handwritten text data by means of the pen and effecting, in the computer system, an operation associated with the text parameter.

9. The method of claim 8 which includes converting, in the computer system, the handwritten text data to computer text.

10. The method of claim 9 in which the text parameter is associated with at least one of:

payment limit, account name, account number, cardholder name, card expiry date, autopay limit, payment amount and payment date.

11. The method of claim 3 in which the at least one parameter is an authorization parameter of the bill paying transaction, the method including identifying, in the computer system, that a payer has entered a handwritten signature by means of the pen, and effecting, in the computer system, an operation associated with the authorization parameter.

12. The method of claim 11 which includes verifying, in the computer system, that the signature is that of the payer.

13. The method of claim 11 in which the authorization parameter is associated with payment authorization, listing due bills, listing all bills, listing billers, listing payment methods, listing failed bills, adding a payment method and adding a biller.

14. The method of claim 3 in which the indicating data relates to a request, that a bill be printed locally.

15. The method of claim 1 in which:

a portion of the coded data is superimposed with a visual graphic, the visual graphic relating to the parameter associated with the portion.

16. The method of claim 1 in which the form is a bill.

17. The method of claim 1 which includes supplying the form as part of a product or its packaging.

18. The method of claim 17 in which the product is a printed periodical.

19. The method of claim 18 which includes printing the coded data to be invisible in the visible spectrum.

20. The method of claim 1 which includes distribution of a plurality of the forms using conventional mail.

21. The method of claim 1 in which the pen contains an identification means which imparts a unique identity to the pen and identifies it as belonging to the user and in which the method includes monitoring, in the computer system, said identity.

22. The method of claim 1 which includes providing all required information relating to the bill paying transaction in the form to eliminate the need for a separate display device.

23. The method of claim 1 in which the form is printed on multiple pages and in which the method includes binding the pages.

24. A computer system configured to support a user in performing online bill paying, the computer system being programmed and configured to:

maintain a page description corresponding to the printed form, said printed form including;

information relating to a bill paying transaction, and coded data printed as a collection of tags, each tag being indicative of an identity of the form and of a location of the tag on the form, at least some of the coded data being coincident with the information;

receive indicating data from an optically imaging pen, the indicating data being indicative of the identity of the form and a position of a nib of the pen relative to the form, the pen having sensed at least some of the coded data when placed in an operative position relative to the form and used at least some of the coded data to generate the indicating data;

retrieve the page description using the identity of the form; and

identify, from the position of the nib and the retrieved page description, at least one parameter relating to the bill paying transaction,

wherein the position of the nib is determined by inferring a perspective transform from perspective-distorted corners of a tag of known size when sensing the coded data and using the perspective transform together with a known geometry of pen optics to compute the position of the nib.

25. The system of claim 24 in which said at least one parameter relating to the bill paying transaction is associated with at least one zone of the form.

26. The system of claim 24 which includes the pen, the pen sensing its movement relative to the form using at least some of the coded data.

27. The system of claim 26 in which the pen contains an identification means which imparts a unique identity to the pen and identifies it as belonging to a particular user.

28. The system of claim 24 in which said at least one parameter of the bill paying transaction is selected from the group comprising an action parameter of the bill paying transaction, an option parameter of the bill paying transaction, a text parameter of the bill paying transaction, or an authorization parameter of the bill paying transaction.

29. The system of claim 28 in which the action parameter of the bill paying transaction is selected from the group comprising:

requesting information relating to a bill, initiating bill payment, resetting the form, electronically forwarding a bill, paying a bill, printing a bill, canceling a bill payment, listing due bills, listing or adding billers, listing, adding or removing payment methods and listing or removing failed bills.

30. The system of claim 28 in which the option parameter is associated with at least one of:

a payment method, card type, bill payment line, autopay option, and account type.

31. The system of claim 28 in which the text parameter is associated with at least one of:

payment limit, account name, account number, cardholder name, card expiry date, autopay limit, payment amount and payment date.

32. The system of claim 28 in which the authorization parameter is associated with payment authorization, listing due bills, listing all bills, listing billers, listing payment methods, listing failed bills, adding a payment method and adding a biller.

33. The system of claim 28 in which the form is a bill.

34. The system of any claim 24, wherein the nib of the pen is a marking nib.

35. The system of claim 24 in which the form is a surface of a surface-defining means, and in which the system includes a printer for printing the form prior to distribution to a user.

36. The system of claim 35 in which the printer is configured to print the coded data at the same time as printing the form on the surface-defining means.

37. The system of claim 35 in which, to cater for a form printed on multiple pages, the printer includes a binding means for binding the pages.

38. The system of claim 24 in which the coded data is substantially invisible in the visible spectrum.