Electronic bill presentment and payment systems and processes
First Claim
1. An electronic bill presentment and payment system for presenting and paying bills via an electronic data network, comprising:
- (a) an input processing engine adapted to receive billing data from a plurality of billers in a plurality of different billing data forms;
(b) a parsing engine adapted to parse the billing data received from the plurality of billers in a plurality of different billing data forms to transform the billing data into a common document model wherein the transformed billing data is all of the same form;
(c) a database stored in a computer-readable medium adapted to store the transformed billing data parsed by the parsing engine;
(d) a presentation engine coupled to the database and adapted to retrieve transformed billing data from the database and to output at least some of the retrieved transformed billing data via the electronic data network for use by bill payers; and
(e) a biller interaction management component coupled to the database and adapted to allow the plurality of billers individually to retrieve and review transformed billing data from the database and to alter the transformed billing data in the database.
6 Assignments
0 Petitions
Accused Products
Abstract
EBPP systems and processes which employ a common document model/data model to accommodate the interests and preferences of billers, customers, financial institutions, other EBPP organizations and others in the context of EBPP specifically and electronic commerce more generally. The common document model/data model allows the biller to outsource billing activities to the EBPP organization while retaining control over the billing information or how or where bills will be presented. Billers are incentivized to use the system because they avoid the expense and effort of building a customized system in house, but get the same advantages of an in house system while leveraging the expertise of an outside EBPP organization who operates across a range of industries, customers, geographical locations and financial fields. The systems also allow billers enhanced opportunities to build brand and customer relationships not offered in paper-based billing systems. Customers are incentivized to use the system because they can pay all or most all of their bills in one place, the place of their choice with bills presented how they choose, and because they may communicate more effectively with billers if and when things go wrong rather than wasting inordinate time on the telephone attempting to sort things out with uninformed people as is often the case in paper based billing systems where the relevant data never seems to catch up with the biller'"'"'s customer service personnel. The result is a ubiquitous EBPP presence that makes everyone'"'"'s life easier and better by reducing bill generation and payment burdens.
286 Citations
44 Claims
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1. An electronic bill presentment and payment system for presenting and paying bills via an electronic data network, comprising:
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(a) an input processing engine adapted to receive billing data from a plurality of billers in a plurality of different billing data forms; (b) a parsing engine adapted to parse the billing data received from the plurality of billers in a plurality of different billing data forms to transform the billing data into a common document model wherein the transformed billing data is all of the same form; (c) a database stored in a computer-readable medium adapted to store the transformed billing data parsed by the parsing engine; (d) a presentation engine coupled to the database and adapted to retrieve transformed billing data from the database and to output at least some of the retrieved transformed billing data via the electronic data network for use by bill payers; and (e) a biller interaction management component coupled to the database and adapted to allow the plurality of billers individually to retrieve and review transformed billing data from the database and to alter the transformed billing data in the database. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 24, 25, 26, 27, 40, 41, 42, 43, 44)
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18. A method for presenting and paying bills via an electronic data network, comprising:
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(a) receiving electronic billing data from a plurality of billers in a plurality of different billing data forms; (b) parsing in a computer the electronic billing data received from the plurality of billers in a plurality of different billing data forms to transform the billing data into a common document model wherein the transformed billing data is all of the same form; (c) a computer database adapted to store the transformed billing data parsed by the parsing functionality; (d) retrieving transformed billing data from the database and outputting at least some of the retrieved transformed billing data via the electronic data network for use by bill payers; and (e) detecting and responding to electronic communications from the plurality of billers to allow the plurality of billers individually to retrieve and review transformed billing data from the database and to alter the transformed billing data in the database. - View Dependent Claims (19, 20, 21, 22, 23, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
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Specification
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- Resources
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Current AssigneeFidelity Information Services, LLC (Fidelity National Information Services Incorporated)
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Original AssigneeMetavante Corporation (Fidelity National Information Services Incorporated)
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InventorsSharma, Dushyant
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Primary Examiner(s)Augustin; Evens J
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Application NumberUS09/543,938Time in Patent Office3,897 DaysField of Search700/40, 700/34, 700/42, 700/35, 700/37US Class Current705/34CPC Class CodesG06Q 20/102 Bill distribution or paymentsG06Q 20/14 specially adapted for billi...G06Q 30/04 Billing or invoicingG06Q 40/00 Finance; Insurance; Tax str...G06Q 40/04 Trading; Exchange, e.g. sto...
