Electronic bill presentation and payment system
First Claim
1. A system for electronic bill presentation and payment (“
- EBPP”
), comprising;
a memory for storing Web pages for an EBPP Web site; and
a processor in communication with the memory, wherein the processor is operative to (i) receive an EBPP user interface (“
UI”
) from an EBPP host, the UI configured to display financial institution information in a first portion of the UI, configured to display billing party information in a second portion of the UI, and configured to display billing data in a third portion of the UI, (ii) receive the financial institution information for display in the first portion of the UI, (iii) transmit a request for the billing party information and billing data, (iv) receive the billing party information for display in the second portion of the UI and the billing data identifying one or more bills for display in the third portion of the UI, (v) transmit instructions to the EBPP host to have one or more bills of the billing party paid, and (vi) transmit payment information to the billing company.
3 Assignments
0 Petitions
Accused Products
Abstract
An electronic bill presentation and payment (EBPP) system and a method to use the same with application both in the business-to-consumer and business-to-business transactions. The system enables a user of the system to specify a preferred financial institution for paying the consumer bills, and particular biller with which the user consumer does business, allowing both to be accessible on a single Web site. The information regarding the consumer'"'"'s finances and the consumer'"'"'s purchases from particular billers need not be shared between the financial institution and the billing company, thus providing improved security and consumer privacy. The look and feel of a singular presentation of financial institution information, biller information, and presenter information on a single page is provided by an advantageous use of Flash X technology which permits the presentation of information from the processor'"'"'s centralized data base of is acquired data from the servers of both the financial institution and billing companies through extraction, transforming and loading (ETL) techniques.
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Citations
13 Claims
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1. A system for electronic bill presentation and payment (“
- EBPP”
), comprising;
a memory for storing Web pages for an EBPP Web site; and
a processor in communication with the memory, wherein the processor is operative to (i) receive an EBPP user interface (“
UI”
) from an EBPP host, the UI configured to display financial institution information in a first portion of the UI, configured to display billing party information in a second portion of the UI, and configured to display billing data in a third portion of the UI,(ii) receive the financial institution information for display in the first portion of the UI, (iii) transmit a request for the billing party information and billing data, (iv) receive the billing party information for display in the second portion of the UI and the billing data identifying one or more bills for display in the third portion of the UI, (v) transmit instructions to the EBPP host to have one or more bills of the billing party paid, and (vi) transmit payment information to the billing company. - View Dependent Claims (2, 3, 4, 5, 6, 7)
- EBPP”
-
8. A method for utilizing an electronic bill presentation and payment (“
- EBPP”
) system, comprising;
receiving an EBPP user interface (“
UI”
) from an EBPP host, the UI configured to display financial institution information in a first portion of the UI, configured to display billing party information in a second portion of the UI, and configured to display billing data in a third portion of the UI;
receiving the financial institution information for display in the first portion of the UI;
transmitting a request for the billing party information and billing data;
receiving the billing party information for display in the second portion of the UI and the billing data identifying one or more bills for display in the third portion of the UI; and
transmitting instructions to the EBPP host to have one or more bills of the billing party paid and transmitting payment information back to the billing company or bank. - View Dependent Claims (9, 10, 11, 12, 13)
- EBPP”
Specification