METHODS, SYSTEMS, AND DEVICES TO DYNAMICALLY CUSTOMIZE ELECTRONIC BILL PRESENTMENT AND PAYMENT WORKFLOWS

• US 20150254617A1
• Filed: 03/10/2014
• Published: 09/10/2015
• Est. Priority Date: 03/10/2014
• Status: Active Grant

• Current Assignee: Aliaswire, Inc.
• Original Assignee: Aliaswire, Inc.
• Inventors: Mohsenzadeh, Hossein, Rodriguez, Alexander
• Granted Patent: US 9,639,830 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 10/0633 Workflow analysis
• CPC Class Codes: G06Q 20/102 Bill distribution or payments

Abstract

Embodiments of systems, methods and devices for electronic bill presentment and payment are disclosed. Such embodiments include receiving one or more instructions from a biller at a remote computer server. Further, the remote computer server implements an electronic bill presentment and payment (EBPP) workflow configuration module and provisions, using the EBPP workflow configuration module, one or more configuration parameters for the biller based on the one or more received instructions. In addition, embodiments include configuring, dynamically an EBPP workflow based on the one or more received instructions and provisioned configuration parameters using the EBPP workflow configuration module. The configuring of the EBPP workflow includes generating a state machine implementing the EBPP workflow. Moreover, embodiments include configuring one or more business logic scripts by the EBPP workflow configuration module to implement the EBPP workflow as well as configuring one or more view templates by the EBPP workflow configuration module to implement the EBPP workflow.

Claims

1. A method for electronic bill presentment and payment, comprising:

receiving one or more instructions from a biller at a remote computer server, the remote computer server implementing an electronic bill presentment and payment (EBPP) workflow configuration module;

provisioning, using the EBPP workflow configuration module on the remote computer server, one or more configuration parameters for the biller based on the one or more received instructions;

configuring, by the remote computer server, dynamically an EBPP workflow based on the one or more received instructions and provisioned configuration parameters using the EBPP workflow configuration module, the configuring of the EBPP workflow includes;

generating a state machine implementing the EBPP workflow by the remote computer server wherein the state machine includes at least one action state and at least one view state such that;

one or more action states, implemented by the remote computer server dynamically and in real-time, executes a first set of business logic scripts to determine a next state of the state machine in implementing the EBPP workflow; and

one or more view states, implemented by the remote computer server dynamically and in real-time, executes a second set of business logic scripts to display a view to the payor;

wherein the first set of business logic scripts and the second state of logic scripts when executed perform custom business logic on behalf of the biller.

2. The method of claim 1, further comprising configuring one or more business logic scripts by the EBPP workflow configuration module to implement the EBPP workflow.

3. The method of claim 1, further comprising configuring one or more view templates by the EBPP workflow configuration module to implement the EBPP workflow.

6. The method of claim 1, further comprising:

configuring a decision state of the state machine which determines a next state of the state machine based on evaluating one or more configuration parameters;

configuring an end state of the state machine which completes execution of the EBPP workflow and displays a view.

7. The method of claim 1, wherein the EBPP workflow is configured dynamically in real-time.

8. The method of claim 1, further comprising presenting a bill to a biller customer on a user interface based on the EBPP workflow.

9. The method of claim 1, further comprising accepting payment information from a biller customer.

10. The method of claim 9, further comprising processing payment based on the information received.

11. The method of claim 1, further comprising receiving one or more business logic scripts from a biller to configure the EBPP workflow.

12. The method of claim 11, wherein the one or more business logic scripts is at least one of groovy, javascript, beanshell, EL, and bsf.

13. The method of claim 1, further comprising:

receiving one or more additional instructions from a biller;

modifying the EBPP workflow, state machine, and a payor workflow based on the one or more received additional instructions.

14. The method of claim 1, further comprising:

receiving one or more additional instructions from a biller;

generating a new EBPP workflow, state machine, and a payor workflow based on the one or more received additional instructions.

15. The method of claim 1, further comprising configuring a user interface based on the EBPP workflow.

16. The method of claim 1, wherein generating the state machine includes configuring one or more view states and one or more action states.

17. The method of claim 16, further comprising mapping one or more views to be displayed on a user interface to the one or more view states.

18. The method of claim 1, further comprising configuring one or more state transitions between the one or more states based on the EBPP workflow.

19. The method of claim 1, further comprising determining the next state and having the state controller execute the next state.

4-5. -5. (canceled)

20. A method for electronic bill presentment and payment, comprising:

receiving one or more instructions from a biller at a remote computer server, the remote computer server implementing an electronic bill presentment and payment (EBPP) workflow configuration module;

provisioning, using the EBPP workflow configuration module on the remote computer server, one or more configuration parameters for the biller based on the one or more received instructions;

configuring, by the remote computer server, dynamically an EBPP workflow based on the one or more received instructions and provisioned configuration parameters using the EBPP workflow configuration module, the configuring of the EBPP workflow includes;

generating a state machine implementing the EBPP workflow by the remote computer server wherein the state machine includes at least one view state such that the state machine executes one or more business logic scripts to;

determine a current view state of the state machine;

load view configuration for the current view state;

render a view based on the view configuration;

present the view on a user interface

wherein the one or more business logic scripts when executed perform custom business logic on behalf of the biller.

21. The method of claim 20, further comprising populating one or more display fields with display data based on the configuration parameters.

22. The method of claim 21, further comprising presenting the one or more display fields and one or more input fields on the user interface within a view page.

23. The method of claim 22, further comprising attaching to the one or more input fields with one or more validation scripts.

24. The method of claim 20, further comprising presenting available messages intended for a user.

25. The method of claim 20, further comprising at least one of:

adding one or more page-level scripts;

adding default Cascading Style Sheets (CSS) styles;

adding custom CSS styles.

26. A method for electronic bill presentment and payment, comprising:

receiving one or more instructions from a biller at a remote computer server, the remote computer server implementing an electronic bill presentment and payment (EBPP) workflow configuration module;

provisioning, using the EBPP workflow configuration module on the remote computer server, one or more configuration parameters for the biller based on the one or more received instructions;

configuring, by the remote computer server, dynamically an EBPP workflow based on the one or more received instructions and provisioned configuration parameters using the EBPP workflow configuration module, the configuring of the EBPP workflow includes;

generating a state machine implementing the EBPP workflow by the remote computer server wherein the state machine includes one or more states such that the state machine;

determines a current state based on a previous state of the state machine and the transition from previous state;

executes the current state;

executes one or more business logic scripts configured by the EBPP workflow configuration module by the remote computer server to;

determine a next state in the state machine;

transition to the next state in the state machine

wherein the one or more business logic scripts when executed perform custom business logic on behalf of the biller.

27. The method of claim 26, further comprising processing inputs received from a user interface that includes at least one of processing an input request, parsing input data from a user, configuring a data model, and validating input data.

28. The method of claim 26, further comprising providing instructions to a sandbox processor to execute the one or more business logic scripts mapped to the current state.

29. The method of claim 28, further comprising receiving a response from the sandbox processor, the response based on the processing the one or more business logic scripts mapped to the current state.

30. The method of claim 28, further comprising populating data model based on processing the inputs and the response from the sandbox processor.