Electronic statement presentment system
CA 2267951 C · Owner: Occhino, Michael · Inventors: Hayward, James T.; Occhino, Michael; Kolling, Ray
Overview
Its claims, description and drawings are in the Canadian Patents Database.
Open the CIPO recordAbstract From the Canadian patent
An electronic statement presentment (ESP) system (200) replaces the preparations and mailing of paper statements and invoices from a biller (102) with electronic delivery. Electronic statements (224) have the same look as paper statements as well as including video audio, graphics, and custom enclosures. Statements are segmented into mandatory and optional components to minimize download time. The ESP system (200) operates independently or is an enhancement to any suitable electronic bill payment system. A central switch computer (214) coordinates template storage, validation routing and message passing between , billers (102) workstations and consumer financial institutions (CFIs) …
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Listed from its CIPO record in Patent Yard's archive of Canadian patents past their term. Its claims, description and drawings are in the CIPO record and on Google Patents, and the Claude kit works from them.
Why it's free to use
- Filed October 8, 1997 and granted December 30, 2003. A Canadian patent filed from October 1, 1989 lasts 20 years from filing, so its term ended October 8, 2017.
- A certificate of supplementary protection adds at most two years for a drug, so even that would have ended by October 8, 2019.
- We check Canadian rights only. A patent in its family in another country could still be in force: check its family on Google Patents.
Timeline
Timeline From CIPO dates
Sources & verification
Official CIPO records
Everything on this page comes from the CIPO record linked above. Contains information licensed under the Open Government Licence – Canada.