US6016484A
Expired / Lapsed
US
⏱️ 0.0 years remaining
System, method and article of manufacture for network electronic payment instrument and certification of payment and credit collection utilizing a payment
Assignee: Hewlett Packard Enterprise Development LP
•
Filing: 1996-04-26
•
Granted: 2000-01-18
•
Expires: 2016-04-26
Abstract
Abstract An electronic monetary system provides for transactions utilizing an electronic-monetary system that emulates a wallet or a purse that is customarily used for keeping money, credit cards and other forms of payment organized. Access to the instruments in the wallet or purse is restricted by a password to avoid unauthorized payments. A certificate form must be completed in order to obtain an instrument. The certificate form obtains the information necessary for creating a certificate granting authority to utilize an instrument, a payment holder and a complete electronic wallet. Electronic approval results in the generation of an electronic transaction to complete the order. If a user selects a particular certificate, a particular payment instrument holder will be generated based on the selected certificate. In addition, a default bitmap for the instrument associated with a particular certificate is defined by the issuing agent for the certificate, and the default bitmap will be displayed when the certificate definition is completed. Finally, the number associated with a particular certificate will be utilized to determine if a certificate can be issued by a particular party.
Inventors
- 👤 Humphrey Williams
- 👤 Kevin Hughes
- 👤 Bipinkumar G. Parmar
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-10-25 18:52
CPC Classifications
G; G06; G06Q; G06Q40/00; G06Q40/02; G06Q20/00; G06Q20/02; G06Q20/08; G06Q20/10; G06Q20/12; G06Q20/22; G06Q20/24; G06Q20/26; G06Q20/38; G06Q20/382; G06Q20/3821; G06Q20/38215; G06Q20/3829
Claims Analysis
Total Claims: 25
Claim 1
Independent Claim
132 words
A method for obtaining a certificate for a payment instrument by using a first computer with an attached display connected by a network to a second computer, comprising the steps of: (a) displaying a certificate request form for the payment instrument on the display of the first computer for entry of one or more data elements; (b) detecting completion of data entry into the certificate request form; (c) assembling a request for the certificate using the one or more data elements; (d) transmitting the request for the certificate to the second computer; (e) creating the certificate for the payment instrument at the second computer; (f) generating a payment instrument holder containing the payment instrument at the second computer; and (g) delivering the certificate and the payment instrument holder to the first computer.
Claim 2
Independent Claim
132 words
A method for obtaining a certificate for a payment instrument by using a first computer with an attached display connected by a network to a second computer, comprising the steps of: (a) displaying a certificate request form for the payment instrument on the display of the first computer for entry of one or more data elements; (b) detecting completion of data entry into the certificate request form; (c) assembling a request for the certificate using the one or more data elements; (d) transmitting the request for the certificate to the second computer; (e) creating the certificate for the payment instrument at the second computer; (f) generating a payment instrument holder containing the payment instrument at the second computer; and (g) delivering the certificate and the payment instrument holder to the first computer.
Claim 3
Dependent Claim
27 words
The method as recited in claim 1, wherein the payment instrument is represented in accordance with a bitmap selected based on the one or more data elements.
Claim 4
Dependent Claim
22 words
The method as recited in claim 1, including the step of determining if the certificate for the payment instrument should be granted.
Claim 5
Dependent Claim
29 words
The method as recited in claim 1, including the step of providing linkages in the payment instrument holder to other displays providing additional functions associated with processing payment information.
Claim 6
Dependent Claim
21 words
The method as recited in claim 1, including the step of prompting for an authorization code to authenticate the payment instrument.
Claim 7
Dependent Claim
23 words
The method as recited in claim 1, including the step of defining a payment method based on the one or more data elements.
Claim 8
Dependent Claim
24 words
The method as recited in claim 1, wherein the payment instrument is represented in accordance with preferences of an issuer of the payment instrument.
Claim 9
Dependent Claim
19 words
The method as recited in claim 1, wherein the payment instrument is represented in accordance with a bank's preference.
Claim 10
Dependent Claim
24 words
The method as recited in claim 1, further comprising the step of customizing the payment instrument holder using the one or more data elements.
Claim 11
Dependent Claim
23 words
The method as recited in claim 1, further comprising the step of customizing the payment instrument holder using one or more user preferences.
Claim 12
Independent Claim
185 words
An apparatus for obtaining a certificate for a payment instrument by using a first computer with an attached display connected by a network to a second computer, comprising: (a) the first computer under the control of software for displaying a certificate request form for the payment instrument on the display of the first computer for the entry of one or more data elements; (b) the first computer under the control of software for detecting completion of data entry into the certificate request form; (c) the first computer under the control of software for assembling a request for the certificate using the one or more data elements; (d) the first computer under the control of software for transmitting the request for the certificate to the second computer; (e) the second computer under the control of software for creating the certificate for the payment instrument; (f) the second computer under the control of software for generating a payment instrument holder containing the payment instrument; and (g) the second computer under the control of software for delivering the certificate and the payment instrument holder to the first computer.
Claim 13
Independent Claim
185 words
An apparatus for obtaining a certificate for a payment instrument by using a first computer with an attached display connected by a network to a second computer, comprising: (a) the first computer under the control of software for displaying a certificate request form for the payment instrument on the display of the first computer for the entry of one or more data elements; (b) the first computer under the control of software for detecting completion of data entry into the certificate request form; (c) the first computer under the control of software for assembling a request for the certificate using the one or more data elements; (d) the first computer under the control of software for transmitting the request for the certificate to the second computer; (e) the second computer under the control of software for creating the certificate for the payment instrument; (f) the second computer under the control of software for generating a payment instrument holder containing the payment instrument; and (g) the second computer under the control of software for delivering the certificate and the payment instrument holder to the first computer.
Claim 14
Dependent Claim
27 words
The apparatus as recited in claim 11, wherein the payment instrument is represented in accordance with a bitmap selected based on the one or more data elements.
Claim 15
Dependent Claim
19 words
The apparatus as recited in claim 11, wherein the payment instrument is represented in accordance with user defined preferences.
Claim 16
Dependent Claim
27 words
The apparatus as recited in claim 11, wherein the payment instrument is represented in accordance with preferences of an issuer of the payment instrument on the display.
Claim 17
Dependent Claim
30 words
The apparatus as recited in claim 11, further comprising the first computer under the control of software for customizing the payment instrument holder using the one or more data elements.
Claim 18
Dependent Claim
29 words
The apparatus as recited in claim 11, further comprising the first computer under the control of software for customizing the payment instrument holder using one or more user preferences.
Claim 19
Dependent Claim
191 words
A computer program embodied on two computer-readable mediums for obtaining a certificate for a payment instrument by using a first computer with an attached display connected by a network to a second computer, comprising: (a) a code segment on the first computer for displaying a certificate request form for the payment instrument on the display of the first computer for entry of one or more data elements; (b) a code segment on the first computer for detecting completion of data entry into the certificate request form; (c) a code segment on the first computer for assembling a request for the certificate using the one or more data elements; (d) a code segment on the first computer for transmitting the request for the certificate to the second computer; (e) a code segment on the second computer for creating the certificate for the payment instrument at the second computer; (f) a code segment on the second computer for generating a payment instrument holder containing the payment instrument at the second computer; and (g) a code segment on the second computer for delivering the certificate and the payment instrument holder to the first computer.
Claim 20
Dependent Claim
191 words
A computer program embodied on two computer-readable mediums for obtaining a certificate for a payment instrument by using a first computer with an attached display connected by a network to a second computer, comprising: (a) a code segment on the first computer for displaying a certificate request form for the payment instrument on the display of the first computer for entry of one or more data elements; (b) a code segment on the first computer for detecting completion of data entry into the certificate request form; (c) a code segment on the first computer for assembling a request for the certificate using the one or more data elements; (d) a code segment on the first computer for transmitting the request for the certificate to the second computer; (e) a code segment on the second computer for creating the certificate for the payment instrument at the second computer; (f) a code segment on the second computer for generating a payment instrument holder containing the payment instrument at the second computer; and (g) a code segment on the second computer for delivering the certificate and the payment instrument holder to the first computer.
Claim 21
Dependent Claim
33 words
The computer program embodied on two computer-readable mediums as recited in claim 17, wherein the payment instrument is generated in accordance with a bitmap selected based on the one or more data elements.
Claim 22
Dependent Claim
35 words
The computer program embodied on two computer-readable mediums as recited in claim 17, further comprising a code segment on the first computer for customizing the payment instrument holder using the one or more data elements.
Claim 23
Dependent Claim
34 words
The computer program embodied on two computer-readable mediums as recited in claim 17, further comprising a code segment on the first computer for customizing the payment instrument holder using one or more user preferences.
Claim 24
Independent Claim
119 words
A method for obtaining a certificate for a payment instrument by using a first computer with an attached display connected by a network to a second computer, comprising the steps of: (a) displaying a certificate request form for the payment instrument on the display of the first computer for entry of one or more data elements; (b) detecting completion of data entry into the certificate request form; (c) assembling a request for the certificate using the one or more data elements; (d) transmitting the request for the certificate to the second computer; (e) creating the certificate and a bitmap for the payment instrument at the second computer; and (f) delivering the certificate and the bitmap to the first computer.
Claim 25
Independent Claim
119 words
A method for obtaining a certificate for a payment instrument by using a first computer with an attached display connected by a network to a second computer, comprising the steps of: (a) displaying a certificate request form for the payment instrument on the display of the first computer for entry of one or more data elements; (b) detecting completion of data entry into the certificate request form; (c) assembling a request for the certificate using the one or more data elements; (d) transmitting the request for the certificate to the second computer; (e) creating the certificate and a bitmap for the payment instrument at the second computer; and (f) delivering the certificate and the bitmap to the first computer.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2003-01-17 | 2003-07-19 | 2004-01-18 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2007-01-17 | 2007-07-19 | 2008-01-18 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2011-01-17 | 2011-07-19 | 2012-01-18 | $7700.00 | Window Closed / Lapsed |