Integrated electronic bill presentment and universal payment
First Claim
1. A method for presentment and payment of bills by a service provider via a communications network, comprising:
- transmitting, from the service provider to a payor via the communications network, bill information representing a first bill of a first payee, but not a second bill of a second payee, for the payor;
receiving, at the service provider via the communications network, a first payment instruction to pay the first bill based on the transmitted bill information;
receiving, at the service provider via the communications network, a second payment instruction to pay the second bill;
initiating, at the service provider, payment of the first bill to the first payee based on the received first payment instruction; and
initiating, at the service provider, payment of the second bill to the second payee based upon the second payment instruction.
1 Assignment
0 Petitions
Accused Products
Abstract
A method of integrating presentment and payment of bills is provided. Bill information, representing a first bill of a first payee, but not a second bill of a second payee, for a payor is transmitted from the service provider to the payor via the communications network. A first payment instruction to pay the first bill based on the transmitted bill information, and a second payment instruction to pay the second bill which was not transmitted to the payor by the service provuder, are received at the service provider via the communications network. Payment of the first bill to the first payee is initiated by the service provider based on the received first payment instruction. Payment of the second bill to the second payee is initiated by the service provider based upon the second payment instruction.
185 Citations
20 Claims
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1. A method for presentment and payment of bills by a service provider via a communications network, comprising:
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transmitting, from the service provider to a payor via the communications network, bill information representing a first bill of a first payee, but not a second bill of a second payee, for the payor;
receiving, at the service provider via the communications network, a first payment instruction to pay the first bill based on the transmitted bill information;
receiving, at the service provider via the communications network, a second payment instruction to pay the second bill;
initiating, at the service provider, payment of the first bill to the first payee based on the received first payment instruction; and
initiating, at the service provider, payment of the second bill to the second payee based upon the second payment instruction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. An integrated bill presentment and payment system, comprising:
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a memory configured to store bill information representing a first bill of a first payee for a payor and not a second bill of a second payee for the payor; and
a processor configured to direct transmission of the stored bill information to the payor, to receive a first payment instruction from the payor to pay the first bill based on the transmitted bill information and a second payment instruction to pay the second bill, and to initiate payment of the first bill to the first payee based on the received first payment instruction and payment of the second bill to the second payee based upon the received second payment instruction. - View Dependent Claims (11, 12, 13, 14, 15)
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16. An integrated billing and payment network, comprising:
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a communications network;
a service provider station configured to transmit bill information representing a first bill of a first payee for a payor, but not a second bill of a second payee for the payor, via the communications network;
a first payor station configured to receive the transmitted bill information via the communications network, to present the represented first bill to the payor based on the received bill information and to transmit a first payment instruction to pay the first bill based on the presented first bill and a second payment instruction to pay the second bill, via the communications network;
wherein the service provider station is further configured to receive the first payment instruction and the second payment instruction via the communications network, and to initiate payment of the first bill to the first payee based on the received first payment instruction and the second bill to the second payee based upon the second payment instruction. - View Dependent Claims (17, 18, 19, 20)
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Specification