Integrated electronic bill presentment and payment with improved activation
First Claim
1. A method of activating billers for subscribers for electronic presentment of bills and for electronic payments, comprising:
- receiving (i) first biller information identifying a first of a plurality of billers and first subscriber information which the first biller associates with a first subscriber, and (ii) second biller information identifying a second of the plurality of billers and second subscriber information which the second biller associates with a second subscriber;
transmitting, to the first biller identified in the received first biller information, a request for verification of validity of the received first subscriber information;
receiving, from the first biller, the verification of the validity of the first subscriber information responsive to the transmitted verification request; and
activating (i) the first subscriber for electronic presentment of bills of the first biller, based on the received verification of validity, and (ii) the second subscriber for only electronic payment of bills of the second biller without verification of validity of the received second subscriber information.
1 Assignment
0 Petitions
Accused Products
Abstract
A service provider activates subscribers for electronic presentment of bills and for electronic payments by receiving, from a first subscriber, information identifying a first of a plurality of billers and information that the first biller associates with the first subscriber. The service provider also receives, from a second subscriber, information identifying a second of the plurality of billers and information that the second biller associates with the second subscriber. The service provider transmits to the first biller a request for verification of validity of the received information which the first biller associates with the first subscriber, and receives a verification of validity responsive to the transmitted verification request. Based on the received verification of validity, the service provider activates the first subscriber for electronic presentment of bills of the first biller. On the other hand, the service provider activates the second subscriber for only electronic payment of the second biller, without any verification from the second biller of the validity of the received information that the second biller associates with the second subscriber.
106 Citations
16 Claims
-
1. A method of activating billers for subscribers for electronic presentment of bills and for electronic payments, comprising:
-
receiving (i) first biller information identifying a first of a plurality of billers and first subscriber information which the first biller associates with a first subscriber, and (ii) second biller information identifying a second of the plurality of billers and second subscriber information which the second biller associates with a second subscriber;
transmitting, to the first biller identified in the received first biller information, a request for verification of validity of the received first subscriber information;
receiving, from the first biller, the verification of the validity of the first subscriber information responsive to the transmitted verification request; and
activating (i) the first subscriber for electronic presentment of bills of the first biller, based on the received verification of validity, and (ii) the second subscriber for only electronic payment of bills of the second biller without verification of validity of the received second subscriber information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
-
-
9. A system for activating billers for subscribers for electronic presentment of bills and for electronic payments, comprising:
-
a processor configured to receive (i) first biller information identifying a first of a plurality of billers and first subscriber information that the first biller associates with a first subscriber, and (ii) second biller information identifying a second of the plurality of billers and second subscriber information that the second biller associates with a second subscriber; and
a memory configured to store the received first and the received second biller information and the received first and the received second subscriber information;
wherein the processor is further configured (i) to direct, to the first biller identified in the received first biller information, a request for verification of validity of the received first subscriber information, (ii) to receive, from the first biller, the verification of validity of the received first subscriber information responsive to the directed verification request, (iii) to activate the first subscriber for electronic presentment of bills of the first biller, based on the received verification of validity, and (2) to activate the second subscriber for only electronic payment of the second biller without a verification of validity of the received second subscriber information. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16)
-
Specification