Methods, devices and systems for electronic bill presentment and payment
First Claim
1. A computer implemented method of presenting an electronic bill from a biller to a customer over a computer network, said method comprising the steps of:
- receiving biller-originated bill data and biller-originated bill format data over the network into a bill presentment and payment database;
storing the inputted bill data and bill format data in a first area of said bill presentment and payment database;
validating at least said stored bill data;
swapping the validated bill data and the format data from the first area to a second area of said bill presentment and payment database, said second area being accessible to the customer; and
presenting the bill to the customer, the presented bill being formatted to according to said format data and incorporating said validated bill data.
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Accused Products
Abstract
A computer-implemented method of presenting an electronic bill from a biller to a customer over a computer network includes steps of receiving biller-originated bill data and bill format data over the network into a bill presentment and payment database. The inputted bill data and bill format data are then stored in a first area of the bill presentment and payment database. The stored bill data and/or the bill format data is then validated and the validated bill data and/or the format data is swapped from the first area to a second area of the bill presentment and payment database, the second area being accessible to the customer. The bill, now incorporating the validated bill data and formatted according to the bill format data, may then be presented to the customer. A third, customer accessible area may be included in the database to archive the bills. The bill format data may include a plurality of bill templates, each of which may define a distinct appearance for the bill. A plurality of bill template selection rules may be applied to the validated bill data. Based on this evaluation, one of the plurality of bill templates may then be selected to format the bill presented to the customer.
104 Citations
52 Claims
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1. A computer implemented method of presenting an electronic bill from a biller to a customer over a computer network, said method comprising the steps of:
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receiving biller-originated bill data and biller-originated bill format data over the network into a bill presentment and payment database;
storing the inputted bill data and bill format data in a first area of said bill presentment and payment database;
validating at least said stored bill data;
swapping the validated bill data and the format data from the first area to a second area of said bill presentment and payment database, said second area being accessible to the customer; and
presenting the bill to the customer, the presented bill being formatted to according to said format data and incorporating said validated bill data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A computer system, comprising:
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at least one processor;
at least one data storage device;
a plurality of processes spawned by said at least one processor, the processes including processing logic for of presenting an electronic bill from a biller to a customer over a computer network, said processing logic defining the steps of;
receiving biller-originated bill data and biller-originated bill format data over the network into a bill presentment and payment database;
storing the inputted bill data and bill format data in a first area of said bill presentment and payment database;
validating at least said stored bill data;
swapping the validated bill data and the format data from the first area to a second area of said bill presentment and payment database, said second area being accessible to the customer; and
presenting the bill to the customer, the presented bill being formatted to according to said format data and incorporating said validated bill data. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41)
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42. A machine-readable medium having data stored thereon representing sequences of instructions which, when executed by a computer, causes said computer to perform the steps of:
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receiving biller-originated bill data and biller-originated bill format data over the network into a bill presentment and payment database;
storing the inputted bill data and bill format data in a first area of said bill presentment and payment database;
validating at least said stored bill data;
swapping the validated bill data and the format data from the first area to a second area of said bill presentment and payment database, said second area being accessible to the customer; and
presenting the bill to the customer, the presented bill being formatted to according to said format data and incorporating said validated bill data. - View Dependent Claims (43, 44, 45, 46, 47, 48, 49, 50, 51, 52)
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Specification