Claims
- 1. A system for Internet payment comprising:
a service layer including a presentation view, a merchant interface, and a payment interface; a process layer including business logic and data conversion modules; and a business component layer including user authentication, transaction processing, payment manager, business-to-business interface and sales tools modules.
- 2. A system as claimed in claim 1 wherein the presentation view includes a connection for a graphical user interface.
- 3. A system as claimed in claim 2 wherein the presentation view includes merchant and service provider administration modules.
- 4. A system as claimed in claim 2 wherein the presentation view includes a customer wallet module for monitoring a customer account.
- 5. A system as claimed in claim 4 wherein the customer wallet module includes an interface for allocating funds to outstanding bills
- 6. A system as claimed in claim 3 wherein the presentation view includes merchant settlement.
- 7. A system as claimed in claim 1 wherein the merchant interface includes a merchant interface API.
- 8. A system as claimed in claim 1 wherein the merchant interface includes a business-to-business (b2b) interface.
- 9. A system as claimed in claim 1 wherein the payment manager includes a debit manager.
- 10. A system as claimed in claim 1 wherein the payment manager includes a account settlement module.
- 11. A system as claimed in claim 10 wherein the account settlement module includes means for allocating payment to bills on a first-in-first-out (FIFO) basis.
- 12. A system as claimed in claim 1 wherein the payment manager includes a messaging manager.
- 13. A system as claimed in claim 1 wherein the payment manager includes a billing manager.
- 14. A system as claimed in claim 1 wherein business-to-business interface includes a configuration manager.
- 15. A system as claimed in claim 1 wherein business-to-business interface includes a scheduler.
- 16. A system as claimed in claim 1 wherein business-to-business interface includes a secure transfer module.
- 17. A system as claimed in claim 1 wherein the payment interface includes means for accepting an electronic feed in various formats.
- 18. A system as claimed in claim 3 wherein the presentation view includes an interface for creating accounts.
- 19. A system as claimed in claim 3 wherein the presentation view includes an interface for importing accounts.
- 20. A system as claimed in claim 3 wherein the presentation view includes an interface for creating coupons.
- 21. A system as claimed in claim 10 wherein the account settlement includes means for processing of coupons.
- 22. An Internet payment method comprising the steps of:
a. Creating user and merchant accounts; b. Receiving from a user a selection of web banking as a payment option; c. Creating and sending an electronic bill for the user representing a user account and a merchant account; d. Receiving a transfer of electronic data from a banking institution, in response to a payment request by the user; e. Parsing of electronic data received; f. Updating a database using the parsed data; g. Settling the user account; h. Settling the merchant account; and i. Sending confirmations of payments to both user and merchant.
- 23. A method as claimed in claim 22 further comprising the step of setting up an Internet payment service provider as a payment receiver with banking institutions.
- 24. A method as claimed in claim 23 wherein the step of creating a merchant account includes the step of setting up a merchant account within the payment service provider.
- 25. A method as claimed in claim 24 wherein the step of creating accounts includes assigning unique identification numbers for each account.
- 26. A method as claimed in claim 24 wherein the step of creating merchant accounts includes providing dynamic submit forms for each merchant used for selling goods and services.
- 27. A method as claimed in claim 24 wherein the step of creating merchant accounts include providing a reporting tool for each organization to allow them to oversee their accounts.
- 28. A method as claimed in claim 24 wherein the step of creating user accounts includes setting up user accounts.
- 29. A method as claimed in claim 24 wherein the step of creating user accounts includes creating unique user id to log into the Internet payment service provider site.
- 30. A method as claimed in claim 24 wherein the step of creating user accounts includes setting up user accounts.
- 31. A method as claimed in claim 22 further comprising the steps of tracking issuance of a coupon, mapping the coupon to the invoice and wherein the steps of settling merchant and user accounts in dependence upon a value assigned to the coupon.
- 32. A method as claimed in claim 22 wherein the step of creating an electronic bill includes the steps of defining a schedule for recurring billing, creating and sending an electronic bill in accordance with the schedule.
- 33. A method as claimed in claim 22 further comprising the steps of determining if a user account is overdue, determining any terms of sale applied to overdue accounts and apply the terms of sale to the overdue account to generate a reminder bill.
- 34. A method as claimed in claim 22 wherein any one of the steps of sending and receiving employ wireless communication.
- 35. A method as claimed in claim 22 further comprising the step of setting up a service provider as a payment receiver.
- 36. A method as claimed in claim 22 further comprising the step of setting up a merchant as a payment receiver.
- 37. A method as claimed in claim 22 further comprising the step of receiving payment for a pre-approved account.
- 38. A method as claimed in claim 37 further comprising the step of embedding the pre-populated account in electronic media.
- 39. A method as claimed in claim 22 further comprising the step of accepting purchase information from a wireless device.
- 40. A method as claimed in claim 22 further comprising the step of a consumer completing payment from wireless device.
- 41. A method as claimed in claim 22 further comprising the step of accessing the consumer wallet from a wireless device.
CROSS-REFERENCE TO RELATED APPLICATIONS
[0001] This application is related to a first provisional patent application filed with the U.S. patent office under application No. 60/422,640 with filing date Nov. 1, 2002 and a second provisional patent application filed with the U.S. patent office under application No. 60/506,873 with filing date Sep. 30, 2003.
Provisional Applications (2)
|
Number |
Date |
Country |
|
60422640 |
Nov 2002 |
US |
|
60506873 |
Sep 2003 |
US |