Electronic bill presentment via a wide area communications network

• US 7,657,484 B2
• Filed: 08/22/2003
• Issued: 02/02/2010
• Est. Priority Date: 02/02/1998
• Status: Expired due to Fees

• Current Assignee: Checkfree Services Corporation (Fiserv Incorporated)
• Original Assignee: Checkfree Corporation (Fiserv Incorporated)
• Inventors: Dreyer, Hans Daniel, Wolfe, Kathryn Randall, Harris, Mark Todd, Ganesan, Ravi
• Primary Examiner(s): CHEUNG, MARY DA ZHI WANG
• Application Number:
  US10/645,521
• Publication Number:
  US 20060064377A1
• Time in Patent Office: 2,356 Days
• Field of Search: 705/30, 705 32- 45, 705 76- 78, 725/1, 725/5, 379114-115, 455406-409, 902/16
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• 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 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 67/01 Protocols
• CPC Class Codes: H04L 9/40 Network security protocols

Abstract

Bill information is electronically presented to a user via a wide-area communications network. The wide-area communications network has multiple different network sites, including a first network site associated with a first bill information presentment entity, a second network site associated with a first user entity, and a third network site associated with a second bill information presentment entity. First information for authenticating the first user entity is received by the first bill information presentment entity. The first user entity is authenticated to the third network site based on this received first authentication information. First bill information, which represents a first bill of a first biller for the first user entity, is accessed at the third network site based on the authentication of the first user entity to this site. The accessed first bill information is transmitted from the first network site to the second network site, for presentation to the first user entity.

Claims

1. A method comprising:

receiving, via a network at an electronic bill presentment service provider from a first network entity associated with a consumer, a request for bill data available for presentment, wherein the request is received subsequent to and responsive to a transmission, to the first network entity, of a notice of availability of the bill data;

responsive to receiving the request for bill data, accessing by the electronic bill presentment service provider via the network, a second network entity associated with a biller for at least a portion of the bill data;

receiving, at the electronic bill presentment service provider, the at least a portion of the bill data from the second network entity; and

transmitting the at least a portion of the bill data from the electronic bill presentment service provider to the first network entity,

wherein the prior steps are performed by at least one computer associated with the electronic bill presentment service provider.

2. The method of claim 1, wherein the bill data includes detailed bill data.

3. The method of claim 1, wherein the request for bill data is received subsequent to the first network entity activating a link to facilitate access to at least a portion of the bill data.

4. The method of claim 3, wherein the link is transmitted to the first network entity from the electronic bill presentment service provider.

5. The method of claim 1, wherein at least one of the (i) accessing the second network entity for at least a portion of the bill data or (ii) receiving the at least a portion of the bill data from the second network entity, is performed through a message interface.

6. The method of claim 1, wherein the consumer is a subscriber of the electronic bill presentment system.

7. The method of claim 1, further comprising:

receiving authentication information from the first network entity, wherein accessing the second network entity includes accessing the second network entity using at least a portion of the received authentication information.

8. The method of claim 7, wherein the authentication information includes one of credentials of the first network entity or a security ticket representing prior authentication of the first network entity.

9. The method of claim 8, wherein the authentication information includes credentials, and wherein the credentials include a username and password.

10. The method of claim 1, wherein the request is a first request and the bill data is first bill data, and further comprising:

receiving a second request for second bill data;

responsive to receiving the second request, accessing the second network entity for at least a portion of the second bill data;

receiving the at least a portion of the second bill data from the second network entity; and

transmitting the at least a portion of the second bill data.

11. The method of claim 10, wherein the second request is received from a third network entity associated with a second consumer and the at least a portion of the second bill data is transmitted to the third network entity.

12. The method of claim 11, further comprising:

receiving first authentication information from the first network entity, wherein accessing the second network entity for at least a portion of the first bill data includes accessing the second network entity using at least a portion of the received first authentication information; and

receiving second authentication information from the third network entity, wherein accessing the second network entity for at least a portion of the second bill data includes accessing the second network entity using at least a portion of the received second authentication information.

13. The method of claim 12, wherein the first authentication information includes credentials of the first network entity and the second authentication information includes credentials of the third network entity.

14. The method of claim 13, wherein at least one of the credentials of the first network entity and credentials of the third network entity include at least one username and password.

15. The method of claim 10, wherein the first bill data and the second bill data are associated with a same biller.

16. The method of claim 10, wherein the first bill data and the second bill data are associated with different billers.

17. The method of claim 1, wherein the at least a portion of transmitted bill data is presented by the first network entity to a user associated with the first network entity.

18. A system comprising:

a processor;

a memory in communication with the processor; and

an input/output (I/O) interface in communication with the processor, wherein the processor, the memory, and the I/O interface are collectively configured to;

receive, via a network at an electronic bill resentment service provider from a first network entity associated with a consumer, a request for first bill data available for presentment, wherein the request is received subsequent to and responsive to a transmission, to the first network entity, of a notice of availability of the bill data;

responsive to receiving the request for first bill data, access by the electronic bill presentment service provider via the network, a second network entity associated with a biller for at least a portion of the first bill data;

receive, at the electronic bill presentment service provider, the at least a portion of the first bill data from the second network entity; and

transmit the at least a portion of the first bill data from the electronic bill presentment service provider to the first network entity.

19. The system of claim 18, wherein the first bill data includes detailed bill data.

20. The system of claim 18, wherein the request for first bill data is received subsequent to the first network entity activating a link to facilitate access to the at least a portion of the first bill data.

21. The system of claim 20, wherein the link is transmitted to the first network entity from the electronic bill presentment service provider.

22. The system of claim 18, wherein the processor, the memory, and the I/O interface are collectively configured to perform at least one of (i) access the second network entity for the at least a portion of the first bill data or (ii) receive the at least a portion of the first bill data from the second network entity, via a message interface.

23. The system of claim 18, wherein the consumer is a subscriber of the electronic bill presentment service provider.

24. The system of claim 18, wherein the processor, the memory, and the I/O interface are further collectively configured to:

receive authentication information from the first network entity, wherein at least a portion of the received authentication information is used to access the second network entity for the at least a portion of the first bill data.

25. The system of claim 24, wherein the authentication information includes one of credentials of the first network entity or a security ticket representing nor authentication of the first network entity.

26. The system of claim 25, wherein the authentication information includes credentials, and wherein the credentials include a username and password.

27. The system of claim 18, wherein the memory, the processor, and the I/O interface are further collectively configured to:

receive a second request for second bill data;

responsive to receiving the second request, access the second network entity for at least a portion of the second bill data;

receive the at least a portion of the second bill data from the second network entity; and

transmit the at least a portion of the second bill data.

28. The system of claim 27, wherein the second request is received from a third network entity associated with a second consumer and the at least a portion of the second bill data is transmitted to the third network entity.

29. The system of claim 28, wherein the memory, the processor, and the I/O interface are further collectively configured to:

receive first authentication information from the first network entity, wherein at least a portion of the received first authentication information is used to access the second network entity for the at least a portion of the first bill data; and

receive second authentication information from the third network entity, wherein at least a portion of the received second authentication information is used to access the second network entity for the at least a portion of the second bill data.

30. The system of claim 29, wherein the first authentication information includes credentials of the first network entity and the second authentication information includes credentials of the third network entity.

31. The system of claim 30, wherein at least one of the credentials of the first user entity and credentials of the third user entity include at least one username and password.

32. The system of claim 27, wherein the first bill data and the second bill data are associated with a same biller.

33. The system of claim 27, wherein the first bill data and the second bill are associated with different billers.

34. The system of claim 18, wherein the first network entity is further configured to present at least a portion of the first bill data to a user.