Method and system for processing messages in a bill payment and presentment system over a communications network
CA 2404221 C · Owner: Mila, Paul J. · Inventors: Holton, Matthew T.; Trende, Robert G.; Mila, Paul J.
Overview
Its claims, description and drawings are in the Canadian Patents Database.
Open the CIPO recordAbstract From the Canadian patent
In a bill payment and presentation system a method for electronically routing , billing information over a communications network is provided using an open , financial exchange communication protocol. The method provides for a centrally located mainframe system and a switching system for coordinating the routing of messages between customer service providers and biller service providers. In particular, the method collects at the CSPs and at the BSPs mainframe application files comprising the messages forwards these files in batch mode , to the mainframe system and converts with a switching system these mainframe files into web-enabled addresses, allowing for the effective transmission …
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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 March 29, 2001 and granted December 17, 2013. A Canadian patent filed from October 1, 1989 lasts 20 years from filing, so its term ended March 29, 2021.
- A certificate of supplementary protection adds at most two years for a drug, so even that would have ended by March 29, 2023.
- 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
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Everything on this page comes from the CIPO record linked above. Contains information licensed under the Open Government Licence – Canada.