Dynamic biller list generation
DC CAFCFirst Claim
Patent Images
1. A method, comprising:
- executing computer-implemented instructions performed by one or more processors for;
receiving, by a bill presentment and payment central clearinghouse, a request that is not associated with electronic bill presentment, the request comprising information identifying a payee of a payor, and the request comprising one of (i) a payment request or (ii) a request to add the payee to a pick list associated with the payor, wherein the payor has not previously activated electronic bill presentment from the payee through the clearinghouse;
accessing, from at least one database by the clearinghouse utilizing at least a portion of the received information identifying the payee, stored billing information;
identifying, by the clearinghouse from the accessed billing information, a bill presentment information associated with the payee;
generating, by the clearinghouse, a notification of the identified bill presentment information associated with the payee; and
transmitting, by the clearinghouse to the payor, the generated notification.
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Litigations
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Accused Products
Abstract
A method, system and article of manufacture for processing bill payment information. Information identifying a payee is processed. The information is information identifying a payee to whom a payer intends to electronically direct payment. The processing determines if bills of the payee are available electronically. If the bills of the payee are available electronically, a notice is transmitted to the payer informing the payer that the bills from the payee are available electronically.
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Citations
60 Claims
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1. A method, comprising:
executing computer-implemented instructions performed by one or more processors for; receiving, by a bill presentment and payment central clearinghouse, a request that is not associated with electronic bill presentment, the request comprising information identifying a payee of a payor, and the request comprising one of (i) a payment request or (ii) a request to add the payee to a pick list associated with the payor, wherein the payor has not previously activated electronic bill presentment from the payee through the clearinghouse; accessing, from at least one database by the clearinghouse utilizing at least a portion of the received information identifying the payee, stored billing information; identifying, by the clearinghouse from the accessed billing information, a bill presentment information associated with the payee; generating, by the clearinghouse, a notification of the identified bill presentment information associated with the payee; and transmitting, by the clearinghouse to the payor, the generated notification. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A system, comprising:
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a communications interface associated with a bill presentment and payment central clearinghouse and operable to (i) receive a request that is not associated with electronic bill presentment, the request comprising information identifying a payee of a payor, and the request comprising one of (a) a payment request or (b) a request to add the payee to a pick list associated with the payor, wherein the payor has not previously activated electronic bill presentment from the payee through the clearinghouse, and (ii) transmit a notification to the payor; and at least one processor associated with the clearinghouse and operable to (i) receive the information identifying the payee from the communications interface, (ii) access, from at least one database utilizing at least a portion of the information identifying the payee, stored billing information, (iii) identify, from the accessed billing information, a bill presentment information associated with the payee, (iv) generate the notification to the payee, the notification including the identified bill presentment information, and (v) direct the communications interface to transmit the notification to the payor. - View Dependent Claims (21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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40. A computer program product, comprising a computer usable medium having a computer readable program code embodied therein, the computer readable program code configured to be executed to facilitate:
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receiving, by a bill presentment and payment central clearinghouse, a request that is not associated with electronic bill presentment, the request comprising information identifying a payee of a payor, and the request comprising one of (i) a payment request or (ii) a request to add the payee to a pick list associated with the payor, wherein the payor has not previously activated electronic bill presentment from the payee through the clearinghouse; accessing, from at least one database by the clearinghouse utilizing at least a portion of the received information identifying the payee, stored billing information; identifying, by the clearinghouse from the accessed billing information, a bill presentment information associated with the payee; generating, by the clearinghouse, a notification of the identified bill presentment information associated with the payee; and transmitting, by the clearinghouse, to the payor, the generated notification. - View Dependent Claims (41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58)
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59. A method, comprising:
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executing computer-implemented instructions performed by one or more processors for;
receiving, by a bill presentment and payment central clearinghouse, a request that is not associated with electronic bill presentment, the request comprising information identifying a payee of a payor, wherein the payor has not previously activated electronic bill presentment from the payee through the clearinghouse;storing an indication of the identified payee in a payee pick list associated with the payor, the payee pick list comprising one or more payees identified by the payor; accessing, from at least one database by the clearinghouse utilizing at least a portion of the received information identifying the payee, stored billing information; identifying, by the clearinghouse from the accessed billing information, a bill presentment information associated with the payee; generating, by the clearinghouse, a notification of the identified bill presentment information associated with the payee; and transmitting, by the clearinghouse to the payor, a presentation of the payee pick list, the presentation comprising the generated notification.
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60. A system, comprising:
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a communications interface associated with a bill presentment and payment central clearinghouse and operable to (i) receive a request that is not associated with electronic bill presentment, the request comprising information identifying a payee of a payor, wherein the payor has not previously activated electronic bill presentment from the payee through the clearinghouse, and (ii) transmit a presentation to the payor; and at least one processor associated with the clearinghouse and operable to (i) receive the information identifying the payee from the communications interface, (ii) store an indication of the identified payee in a payee pick list associated with the payor, the payee pick list comprising one or more payees identified by the payor, (iii) access, from at least one database utilizing at least a portion of the information identifying the payee, stored billing information, (iv) identify, from the accessed billing information, a bill presentment information associated with the payee, (v) generate the notification to the payee, the notification including the identified bill presentment information, and (vi) direct the communications interface to transmit the presentation, the presentation comprising the payee pick list and the generated notification.
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Specification