Integrated systems for electronic bill presentment and payment
First Claim
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1. An electronic bill presentment and payment system, said system comprising:
- a database for storing data relating to a plurality of bills sourced from a plurality of billers, and corresponding to a plurality of consumers;
a conversion processing communicating with said database for converting data from said plurality of billers into a format compatible with said database;
a biller interface communicating with said database for 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;
a processing capacity communicating with said database for supporting a plurality of visual interfaces, each of said visual interfaces allowing a consumer to review and pay said consumer'"'"'s bills;
a consumer interface communicating with said database for allowing said consumer to change information in said database; and
an authentication capacity communicating with said database for determining whether said consumer meets certain predetermined requirements before a new account is authorized to access said database.
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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
20 Claims
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1. An electronic bill presentment and payment system, said system comprising:
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a database for storing data relating to a plurality of bills sourced from a plurality of billers, and corresponding to a plurality of consumers;
a conversion processing communicating with said database for converting data from said plurality of billers into a format compatible with said database;
a biller interface communicating with said database for 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;
a processing capacity communicating with said database for supporting a plurality of visual interfaces, each of said visual interfaces allowing a consumer to review and pay said consumer'"'"'s bills;
a consumer interface communicating with said database for allowing said consumer to change information in said database; and
an authentication capacity communicating with said database for determining whether said consumer meets certain predetermined requirements before a new account is authorized to access said database. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method for electronic billing presentment and payment, said method comprising the steps of:
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storing data relating to a plurality of bills sourced from a plurality of billers, and corresponding to a plurality of consumers in a database;
converting data from said plurality of billers into a format compatible with said database;
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;
supporting a plurality of visual interfaces, each of said visual interfaces allowing a consumer to review and pay said consumer'"'"'s bills;
determining whether said consumer meets certain predetermined requirements before a new account is authorized to access said database;
communicating with said database for allowing said consumer to change information in said database; and
allowing said consumer to pay bills from one of said visual interfaces. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method for electronic billing presentment and payment, said method comprising the steps of:
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storing data relating to a plurality of bills sourced from a plurality of billers, and corresponding to a plurality of consumers in a database;
communicating with said database for authenticating each of said plurality of billers;
converting data from said plurality of billers into a format compatible with said database;
allowing at least some of said plurality of billers to review and obtain reports in substantially real time from data relating to said billers and status of said biller'"'"'s bills stored in said database;
supporting a plurality of visual interfaces, each of said visual interfaces allowing a consumer to review and pay said consumer'"'"'s bills;
determining whether said consumer meets certain predetermined requirements before a new account is authorized to access said database, said determining step including obtaining consumer credit information;
allowing said consumer to input personal information that can be used to identify and authenticate said consumer wherein said input information is compared to said consumer credit information;
communicating with said database for allowing said consumer to change information in said database; and
allowing said consumer to pay bills from one of said visual interfaces.
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Specification