Integrated systems for electronic bill presentment and payment
First Claim
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1. An electronic bill presentment and payment system, comprising:
- a. a database capable of storing data relating to a plurality of bills sourced from a plurality of billers, and corresponding to a plurality of consumers;
b. processing capacity coupled to said database capable of converting data from said plurality of billers into format compatible with said database;
c. processing capacity coupled to said database capable of allowing at least some of said plurality of billers to review and obtain reports in real time from data relating to said billers and status of said biller'"'"'s bills stored in said database;
d. said database inaccessible to any entity not having encrypted access to said database;
e. processing capacity coupled to said database capable of supporting a plurality of visual interfaces, each supported by a site different from other of said visual interfaces, each of said visual interfaces capable of allowing a consumer to review and pay said consumer'"'"'s bills and thereby change information in said database only if said consumer has been authorized access to said database by a credit verifier.
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Abstract
The present invention relates generally to electronic commerce, and more particularly to methods and systems for integrating electronic bill presentment and payment among billers, consumers, banks and other financial institutions, electronic payment facilitators, and web portals and other spaces able to support an interface for presentment and/or payment of bills.
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Citations
21 Claims
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1. An electronic bill presentment and payment system, comprising:
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a. a database capable of storing data relating to a plurality of bills sourced from a plurality of billers, and corresponding to a plurality of consumers;
b. processing capacity coupled to said database capable of converting data from said plurality of billers into format compatible with said database;
c. processing capacity coupled to said database capable of allowing at least some of said plurality of billers to review and obtain reports in real time from data relating to said billers and status of said biller'"'"'s bills stored in said database;
d. said database inaccessible to any entity not having encrypted access to said database;
e. processing capacity coupled to said database capable of supporting a plurality of visual interfaces, each supported by a site different from other of said visual interfaces, each of said visual interfaces capable of allowing a consumer to review and pay said consumer'"'"'s bills and thereby change information in said database only if said consumer has been authorized access to said database by a credit verifier. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. In an electronic billing presentment and payment system comprising:
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a. a database capable of storing data relating to a plurality of bills sourced from a plurality of billers, and corresponding to a plurality of consumers;
b. processing capacity coupled to said database capable of converting data from said plurality of billers into format compatible with said database;
c. processing capacity coupled to said database capable of allowing at least some of said plurality of billers to review and obtain reports in real time from data relating to said billers and status of said biller'"'"'s bills stored in said database;
d. said database inaccessible to any entity not having encrypted access to said database;
e. processing capacity coupled to said database capable of supporting a plurality of visual interfaces, each at a different web site from other of said visual interfaces, each of said visual interfaces capable of allowing a consumer to review and pay said consumer'"'"'s bills and thereby change information in said database only if said consumer has been authorized access to said database by a credit verifier;
a process for allowing a consumer to pay bills from one of said visual interfaces, comprising;
a. receiving from said consumer, via said visual interface, logon information;
b. initiating an interactive session with a credit verifier to obtain authorization for said consumer to have access to information from said database;
c. after said authorization from said credit verifier has been received from said credit verifier, allowing said consumer to access information in said database in order to pay bills. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21)
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Specification