公开(公告)号：AU5260099A

公开(公告)日：2000-04-06

申请号：AU5260099

申请日：1999-09-30

Applicant: CITIBANK NA

Inventor： SCHUTZER DANIEL

IPC: G06F17/30 ,  G06Q10/00 ,  H04L12/58 ,  G06F19/00

公开(公告)号：AU9111798A

公开(公告)日：1999-03-16

申请号：AU9111798

申请日：1998-08-26

Applicant: CITIBANK NA

Inventor： SCHUTZER DANIEL

IPC: G06Q20/00 ,  G06Q30/00 ,  G06F17/60

Abstract: A method and system for presentment of bills on a computer network includes a biller account hosted on a server of a bill service provider for receiving a bill file from a biller that includes bill data. The biller account automatically formats a bill for a consumer from the bill data. The bill file from which the bill is automatically formatted includes a bill template and bill content and may also include a temporary resource. A document server coupled to the bill service provider's server receives and automatically stores the formatted bill in a storage location. The formatted bill consists of an electronic mail message, and the storage location is an electronic mailbox. The stored bill is accessed and displayed by the consumer on a consumer terminal coupled to the document server. The consumer may pay the bill through a bill payment processor.

公开(公告)号：ZA987622B

公开(公告)日：2000-09-06

申请号：ZA987622

申请日：1998-08-24

Applicant: CITIBANK NA

Inventor： SCHUTZER DANIEL

IPC: G06F20060101 ,  G06F

公开(公告)号：ZA981129B

公开(公告)日：1999-05-28

申请号：ZA981129

申请日：1998-02-11

Applicant: CITIBANK NA

Inventor： SCHUTZER DANIEL ,  HU HUANRUI ,  LEE WENKE ,  FAN WEI ,  STOLFO SAVATORE J ,  HULL FORSTER WILLIAM JR

IPC: G06Q20/00 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q40/00 ,  G06F

Abstract: The present invention relates to the use of computerized intelligent agents to facilitate the integration of networked performance of financial transactions with computerized methods of financial accounting. Incorporated into this combined financial transaction/financial accounting system are intelligent agents that automatically analyze the system information to provide users with financial advice. This invention permits the automated performance on-line of a wide variety of financial transactions and integrates these transactions with computerized financial accounting. All of this information is collated and analyzed automatically by intelligent agents, which generate user-specific financial reports, profiles, and advice, and under appropriate conditions take action.

公开(公告)号：AU6141898A

公开(公告)日：1998-09-18

申请号：AU6141898

申请日：1998-02-12

Applicant: CITIBANK NA

Inventor： SCHUTZER DANIEL ,  FORSTER WILLIAM HULL JR ,  HU HUANRUI ,  LEE WENKE ,  STOLFO SALVATORE J ,  FAN WEI

IPC: G06Q20/00 ,  G06Q20/10 ,  G06Q20/18 ,  G06Q40/00 ,  G06F19/00

Abstract: The present invention relates to the use of computerized intelligent agents to facilitate the integration of networked performance of financial transactions with computerized methods of financial accounting. Incorporated into this combined financial transaction/financial accounting system are intelligent agents that automatically analyze the system information to provide users with financial advice. This invention permits the automated performance on-line of a wide variety of financial transactions and integrates these transactions with computerized financial accounting. All of this information is collated and analyzed automatically by intelligent agents, which generate user-specific financial reports, profiles, and advice, and under appropriate conditions take action.