Flexible integrated electronic bill presentment and payment
First Claim
1. A method for integrating presentment of bills and initiation of payments by a service provider via a communications network, comprising:
- transmitting, from a service provider via a communications network, bill information representing a plurality of bills of a plurality of billers for a plurality of payors, including information representing a first of the plurality of bills of a first of the plurality of billers for a first of the plurality of payors;
receiving, at the service provider via the communications network, a first payment instruction from the first payor to pay the first bill based on the transmitted bill information representing the first bill and a second payment instruction from another payor to pay a payee based on other than the transmitted bill information;
initiating, at the service provider, a first payment of the first bill to the first biller based on the received first payment instruction; and
initiating, at the service provider, a second payment to the payee based on the received second payment instruction.
1 Assignment
0 Petitions
Accused Products
Abstract
To provide integrated electronic presentment of bills and payment, bill information representing a plurality of bills of a plurality of electronic billers for a plurality of subscriber payors, is transmitted from a service provider via a communications network. A first payment instruction from the first subscriber payor, to pay a first electronic bill of a first electronic biller based on the transmitted bill information, is received at the service provider via the communications network. A second payment instruction from another payor, which may or may not be a subscriber, to pay another payee, which may or may not be an electronic biller or a biller at al, based on other than the transmitted bill information, is also received at the service provider via the communications network. Payment of the first bill to the first electronic biller is initiated, at the service provider, based on the received first payment instruction. Payment to the other payee is also initiated, at the service provider, based on the received second payment instruction.
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Citations
30 Claims
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1. A method for integrating presentment of bills and initiation of payments by a service provider via a communications network, comprising:
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transmitting, from a service provider via a communications network, bill information representing a plurality of bills of a plurality of billers for a plurality of payors, including information representing a first of the plurality of bills of a first of the plurality of billers for a first of the plurality of payors;
receiving, at the service provider via the communications network, a first payment instruction from the first payor to pay the first bill based on the transmitted bill information representing the first bill and a second payment instruction from another payor to pay a payee based on other than the transmitted bill information;
initiating, at the service provider, a first payment of the first bill to the first biller based on the received first payment instruction; and
initiating, at the service provider, a second payment to the payee based on the received second payment instruction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13)
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14. An integrated bill presentment and payment system, comprising:
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a memory configured to store bill information representing a plurality of bills of a plurality of billers for a plurality of payors, including information representing a first of the plurality of bills of a first of the plurality of billers for a first of the plurality of payors; and
a processor configured to direct transmission of the bill information to the plurality of payors, to receive a first payment instruction from the first payor to pay the first bill based on the transmitted bill information representing the first bill and a second payment instruction from another payor to pay a payee based on other than the transmitted bill information, and to initiate a first payment of the first bill to the first biller based on the received first payment instruction and a second payment to the payee based on the received second payment instruction. - View Dependent Claims (15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25)
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26. An integrated bill presentment and payment network, comprising:
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a communications network;
a service provider station configured to transmit to a plurality of payors via the communications network, bill information representing a plurality of bills of a plurality of billers for the plurality of payors, including information representing a first of the plurality of bills of a first of the plurality of billers for a first of the plurality of payors;
a first payor station, representing the first payor, configured to receive the transmitted bill information representing the first bill via the communications network, to present the received bill information representing the first bill to the first payor, and to transmit, via the communications network, a first payment instruction to pay the first bill; and
a second payor station, representing another payor, configured to transmit, via the communications network, a second payment instruction to pay a payee based on other than the transmitted bill information;
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 a first payment of the first bill to the first biller based on the received first payment instruction and a second payment to the payee based on the received second payment instruction. - View Dependent Claims (27, 28, 29, 30)
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Specification