Centralized electronic bill presentment

• US 20060195397A1
• Filed: 02/28/2005
• Published: 08/31/2006
• Est. Priority Date: 02/28/2005
• Status: Abandoned Application

• Current Assignee: Checkfree Corporation (Fiserv Incorporated)
• Original Assignee: Checkfree Corporation (Fiserv Incorporated)
• Inventors: Ganesan, Ravi, Dreyer, Hans Daniel, Wolfe, Kathryn Randall, Harris, Mark Todd
• Application Number:
  US11/066,458
• Publication Number:
  US 20060195397A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

To make bill information available for presentation to a user entity, a first network site receives a request of the user entity for bill information, from a third network site associated with the user entity. In response, bill information representing a bill of a biller entity for the user entity is retrieved from storage at a second network site associated with a bill information provider entity, such as a biller. The retrieved bill information is transmitted, from the first network site to the third network site, for presentation to the user entity at the third network site. The first, the second, and the third network sites are different network sites.

Claims

1. A method for making bill information available for presentation to a user entity, comprising:

receiving, at a first network site from a third network site associated with a first user entity, a first request of the first user entity for bill information;

retrieving, responsive to the received first request, first bill information representing a first bill of a first biller entity for the first user entity that is stored at a second network site associated with a first bill information provider entity; and

transmitting, from the first network site to the third network site, the retrieved first bill information for presentation to the first user entity at the third network site;

wherein, the first, the second, and the third network sites are different network sites.

2. The method according to claim 1, wherein:

the represented first bill is a detailed bill of the first biller entity for the first user entity.

3. The method according to claim 1, wherein:

the first bill information provider entity is one of a bill presentment service provider and a bill aggregator; and

the first network site is associated with one of a bill presentment service provider and the first biller entity.

4. The method according to claim 1, further comprising:

retrieving, responsive to the received first request, second bill information representing a second bill of a second biller entity for the first user entity that is stored at a fourth network site associated with a second bill information provider entity; and

transmitting, from the first network site to the third network site, the retrieved second bill information for presentation to the first user entity at the third network site;

wherein, the fourth network site is different than the first, the second, and the third network sites.

5. The method according to claim 1, further comprising:

receiving, at a first network site from the third network site, a second request of the first user entity for bill information;

retrieving, responsive to the received second request, second bill information representing a second bill of a second biller entity for the first user entity that is stored at a fourth network site associated with a second bill information provider entity; and

transmitting, from the first network site to the third network site, the retrieved second bill information for presentation to the first user entity at the third network site;

wherein, the fourth network site is different than the first, the second, and the third network sites.

6. The method according to claim 1, further comprising:

receiving, at the first network site from a fourth network site associated with a second user entity, a second request of the second user entity for bill information;

retrieving, responsive to the received second request, second bill information representing a second bill of the first biller entity for the second user entity that is stored at the second network site; and

transmitting, from the first network site to the fourth network site, the retrieved second bill information for presentation to the second user entity at the fourth network site;

wherein, the fourth network site is different than the first, the second, and the third network sites.

7. The method according to claim 1, further comprising:

receiving, at the first network site from a fourth network site associated with a second user entity, a second request of the second user entity for bill information;

retrieving, responsive to the received second request, second bill information representing a second bill of a second biller entity for the second user entity that is stored at a fifth network site associated with a second bill information provider entity; and

transmitting, from the first network site to the fourth network site, the retrieved second bill information for presentation to the second user entity at the fourth network site;

wherein, the first, the second, the third, and the fourth network sites are different network sites, and the fifth network site is either (i) different than the first, the second, the third, and the fourth network sites or (ii) different than the first, the third and the fourth network sites, and the same as the second network site.

8. The method according to claim 1, wherein:

the first, the second and the third network sites are sites on a wide-area communications network.

9. The method according to claim 1, wherein:

retrieving the first bill information stored at the second network site includes transmitting a message defined by a message interface, from the first network site to the second network site.

10. The method according to claim 1, further comprising:

authenticating the first user entity at a first network site based on one of (i) authentication credentials of the first user entity received from the third network site and (ii) a security ticket representing prior authentication of the first user entity by a trusted authority.

11. A system for making bill information available for presentation to a user entity, comprising:

a first network station, associated with a first user entity, configured to transmit a first request for bill information;

a second network station, associated with a first bill information provider entity, configured to store first bill information representing a first bill of a first biller entity for the first user entity; and

a third network station configured (i) to receive the transmitted first request for bill information, (ii) to retrieve the first bill information stored at the second network station responsive to the received first request, and (iii) to transmit the retrieved first bill information;

wherein the first network station is further configured to receive the transmitted first bill information and display the received first bill information to the first user entity.

12. The system according to claim 11, further comprising:

a fourth network station, associated with a second bill information provider entity, configured to store second bill information representing a second bill of a second biller entity for the first user entity;

wherein the third network station is further configured (i) to retrieve the second bill information stored at the fourth network station responsive to the received first request, and (ii) to transmit the retrieved second bill information; and

wherein the first network station is further configured to receive the transmitted second bill information and display the received second bill information to the first user entity.

13. The system according to claim 11, wherein the first network station is further configured to transmit a second request for bill information, and further comprising:

a fourth network station, associated with a second bill information provider entity, configured to store second bill information representing a second bill of a second biller entity for the first user entity;

wherein the third network station is further configured (i) to receive the transmitted second request for bill information, (ii) to retrieve the second bill information stored at the fourth network station responsive to the received second request, and (iii) to transmit the retrieved second bill information; and

wherein the first network station is further configured to receive the transmitted second bill information and display the received second bill information to the first user entity.

14. The system according to claim 11, further comprising:

a fourth network station, associated with a second user entity, configured to transmit a second request for bill information;

wherein the second network station is further configured to store second bill information representing a second bill of the first biller entity for the second user entity;

wherein the third network station is further configured (i) to receive the transmitted second request for bill information, (ii) to retrieve the second bill information stored at the second network station responsive to the received second request, and (iii) to transmit the retrieved second bill information; and

wherein the fourth network station is further configured to receive the transmitted second bill information and display the received second bill information to the second user entity.

15. The system according to claim 11, further comprising:

a fourth network station, associated with a second user entity, configured to transmit a second request for bill information; and

a fifth network station, associated with a second bill information provider entity, configured to store second bill information representing a second bill of a second biller entity for the second user entity;

wherein the third network station is further configured (i) to receive the transmitted second request for bill information, (ii) to retrieve the second bill information stored at the fifth network station responsive to the received second request, and (iii) to transmit the retrieved second bill information; and

wherein the fourth network station is further configured to receive the transmitted second bill information and display the received second bill information to the second user entity.

16. The system according to claim 11, wherein:

the represented first bill is a detailed bill of the first biller entity for the first user entity;

the first bill information provider entity is one of a bill presentment service provider and a bill aggregator;

the third network site is associated with one of a bill presentment service provider and the first biller entity; and

the first, the second and the third network sites are sites on a wide-area communications network.

17. The system according to claim 11, wherein:

the first network station is further configured to transmit authentication credentials of the first user entity; and

the third network station is further configured to either (i) receive the transmitted authentication credentials and authenticate the first user entity based on the received authentication credentials or (ii) receive a security ticket representing prior authentication of the first user entity by a trusted authority based on the transmitted authentication credentials and authenticate the first user entity based on the received security ticket.

18. A method for electronically presenting bill information to a user via a wide-area communications network, the communications network having multiple different network sites including a first network site associated with a bill information presentment entity, a second network site associated with a first user entity, and a third network site associated with a first bill information provider entity, comprising:

receiving, at the first network site from the second network site, a first request of the first user entity for billing information;

accessing first bill information representing a first bill of a first biller for the first user entity at the third network site, subsequent to receipt of the first request; and

transmitting the accessed first bill information from the first network site to the second network site for presentation to the first user entity.

19. The method according to claim 18, wherein the multiple different network sites include a fourth network site associated with a second bill information provider entity, and further comprising:

accessing second bill information representing a second bill of a second biller for the first user entity at the fourth network site, subsequent to receipt of the first request; and

transmitting the accessed second bill information from the first network site to the second network site for presentation to the first user entity.

20. The method according to claim 18, wherein the multiple different network sites include a fourth network site associated with a second user entity, and further comprising:

receiving, at the first network site from the fourth network site, a second request of the second user entity for billing information;

accessing second bill information representing a second bill of the first biller for the second user entity at the third network site, subsequent to receipt of the second request; and

transmitting the accessed second bill information from the first network site to the fourth network site for presentation to the second user entity

21. The method according to claim 18, wherein the multiple different network sites include a fourth network site associated with a second user entity and a fifth network site associated with a second bill information provider entity, and further comprising:

receiving, at the first network site from the fourth network site, a second request of the second user entity for billing information;

accessing second bill information representing a second bill of the second biller for the second user entity at the fifth network site, subsequent to receipt of the second request; and

transmitting the accessed second bill information from the first network site to the fourth network site for presentation to the second user entity.