Data processing system and method for transmitting of payment advice data

• US 20050021464A1
• Filed: 06/25/2004
• Published: 01/27/2005
• Est. Priority Date: 06/30/2003
• Status: Active Grant

• Current Assignee: SAP SE
• Original Assignee: SAP AG (SAP SE)
• Inventors: Engelmann, Dietmar, Lindauer, Friedrich
• Granted Patent: US 8,156,021 B2
• Time in Patent Office: Days
• US Class Current: 705/40
• 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 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

Systems and methods for transmitting payment advice data from a payment computer system to a payee computer system are provided. An exemplary method may include generating a payment order and payment advice data. The method may further include generating a unique identifier for the payment order, transmitting the payment order and the unique identifier to a banking computer system, and transmitting the payment advice data and the unique identifier to a central computer system. The method may further include sending bank statement data indicative of an execution of the payment order to the payee computer system, where the bank statement data includes the unique identifier of the payment order. The method may further include storing the payment advice data and the unique identifier in the central computer system, in response to a receipt of the bank statement data by the payee computer system, and requesting the payment advice data from the central computer system using the unique identifier as a key.

Claims

1. A data processing system for transmitting of payment advice data, the data processing system comprising:

at least one payer computer system having means for generating a payment order and payment advice data, means for generating a unique identifier for the payment order, means for transmitting the payment order and the unique identifier to a banking computer system, and means for transmitting the payment advice data and the unique identifier to a central computer system,

the banking computer system having means for sending bank statement data indicative of an execution of the payment order to a payee computer system, the bank statement data comprising the unique identifier of the payment order,

the central computer system having means for storing the payment advice data and the unique identifier, and

the payee computer system having means for requesting the payment advice data from the central computer system in response to receipt of the bank statement data using the unique identifier as a key.

2. The data processing system of claim 1, wherein the means for transmitting the payment order and the unique identifier is adapted to transmit a web service identifier to the banking computer system, the web service identifier is provided as part of the bank statement data, and the payee computer system is adapted to request web service description data from a web services directory in response to receipt of the bank statement data, and wherein the means for requesting the payment advice data from the central computer system is adapted to send a mark up language request for the payment advice data on the basis of a mark up language schema definition of the web service description data.

3. The data processing system of claim 2, wherein the mark up language is XML and the web service description data is a WSDL file.

4. A method of transmitting payment advice data from a payment computer system to a payee computer system, the method comprising:

generating a payment order and payment advice data,

generating a unique identifier for the payment order,

transmitting the payment order and the unique identifier to a banking computer system,

transmitting the payment advice data and the unique identifier to a central computer system,

sending bank statement data indicative of an execution of the payment order to the payee computer system, the bank statement data comprising the unique identifier of the payment order,

storing the payment advice data and the unique identifier in the central computer system, and

in response to a receipt of the bank statement data by the payee computer system, requesting the payment advice data from the central computer system using the unique identifier as a key.

5. The method of claim 4, further comprising:

transmitting a web service identifier together with the payment order to the banking computer system, including the web service identifier in the bank statement data, and

in response to the receipt of the bank statement data, requesting web service description data from a web services directory, wherein the request of the payment advice data from the central computer system is made using a mark up language schema definition of the web service description data.

6. The method of claim 5, wherein the mark up language is XML, the web services description data is a WSDL file, and hyper-text transfer protocol is used for requesting the payment advice data from the central computer system.

7. A computer system for initiating a payment, the computer system comprising:

means for generating a payment order and payment advice data,

means for generating a unique identifier for the payment order,

means for transmitting the payment order and the unique identifier to a banking computer system, and

means for transmitting the payment advice data and the unique identifier to a central computer system.

8. The computer system of claim 7, wherein the means for generating the unique identifier is adapted to generate a universal unique identifier (UUID).

9. A computer system for processing bank statement data, the computer system comprising:

means for receiving bank statement data indicative of an execution of a payment order, the bank statement data comprising a unique identifier of the payment order,

means for generating a request for the payment advice data, the request comprising the unique identifier, and

means for sending the request to a central computer system.

10. The computer system of claim 9 further comprising means for requesting web service description data from a web services directory in response to receipt of the bank statement data, the bank statement data including a web service identifier, and wherein the means for generating the request is adapted to generate the request in accordance with a mark up language schema definition of the web service description data.

11. A computer system for communicating payment advice data between a plurality of payers and a plurality of payees, the computer system comprising:

means for receiving payment advice data and a unique identifier being assigned thereto from each one of a plurality of payer computer systems,

means for storing the payment advice data and the unique identifier,

means for retrieving the payment advice data, using the unique identifier as a key in response to a receipt of a request from anyone of a plurality of payee computer systems, the request comprising the unique identifier, and

means for sending the retrieved payment advice data to any one of the payee computer systems.

12. A computer program product, comprising instructions for causing a computer system to perform a method for initiating a payment, the method comprising:

generating a payment order and payment advice data,

generating a unique identifier for the payment order, and

invoking a transfer protocol for sending the payment order and the unique identifier to a banking computer system and for sending the payment advice data and the unique identifier to a central computer system.

13. The computer program product of claim 12, wherein the method for initiating the payment further comprises invoking the transfer protocol for sending a web service identifier to the banking computer system together with the payment order and the unique identifier.

14. The computer program product of claim 12, wherein the method for initiating the payment further comprises generating the unique identifier as a universal unique identifier (UUID).

15. A computer program product comprising instructions for a method for processing bank statement data, the method comprising:

receiving bank statement data indicative of an execution of a payment order, the bank statement data comprising a unique identifier of the payment order,

generating a request for payment advice data, the request comprising the unique identifier, and

invoking a transfer protocol for sending the request to a central computer system.

16. The computer program product of claim 15, wherein the method for processing bank statement data further comprises matching posting data and the payment advice data received from the central computer system.

17. The computer program product of claim 15, wherein the method for processing bank statement data further comprises requesting web service description data from a web services directory in response to receipt of the bank statement data, the bank statement data comprising a web service identifier, wherein the request is generated in accordance with a mark up language schema definition of the web service description data.