Integrated systems for electronic bill presentment and payment
First Claim
Patent Images
1. A system, comprising:
- a database;
a bill data processor coupled to the database, the bill data processor configured to;
receive bill data relating to a plurality of bills from a plurality of billers, the bills being associated with a plurality of consumers having consumer terminals;
convert the bill data into a format compatible with the database; and
store the converted bill data in the database;
a bill report processor coupled to the database, the bill report processor being configured to authenticate merchant identification numbers received from billers and, upon authentication, to provide a report to a biller, the report including data relating to a status of bills corresponding to the bill data stored in the database;
a bill security processor configured to grant access to the database upon receipt of encrypted access information; and
a portal interface implemented on a platform separate from the consumer terminals and configured by instructions received from the consumer terminals to;
in response to instructions received from a selected one of the consumer terminals, create at least two bill portfolios for the selected one of the consumer terminals, the two portfolios corresponding to different aspects of a financial profile of a consumer associated with the selected one of the consumer terminals;
when a credit verifier has authorized the selected one of the consumer terminals to access the database;
upon receipt of a request from the selected one of the consumer terminals, transmit signals to the selected one of the consumer terminals to cause display of an electronic bill representing a selected bill;
upon receipt of instructions from the selected one of the consumer terminals, initiate payment of the selected bill; and
update information in the database with payments information.
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0 Petitions
Accused Products
Abstract
Systems and methods for integrating electronic bill presentment and payment among billers, consumers, banks and other financial institutions, and electronic payment facilitators are enabled for operation with a plurality of different web portals and other spaces including bill presenters each of which are able to support an interface for presentment and/or payment of bills.
214 Citations
23 Claims
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1. A system, comprising:
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a database; a bill data processor coupled to the database, the bill data processor configured to; receive bill data relating to a plurality of bills from a plurality of billers, the bills being associated with a plurality of consumers having consumer terminals; convert the bill data into a format compatible with the database; and store the converted bill data in the database; a bill report processor coupled to the database, the bill report processor being configured to authenticate merchant identification numbers received from billers and, upon authentication, to provide a report to a biller, the report including data relating to a status of bills corresponding to the bill data stored in the database; a bill security processor configured to grant access to the database upon receipt of encrypted access information; and a portal interface implemented on a platform separate from the consumer terminals and configured by instructions received from the consumer terminals to; in response to instructions received from a selected one of the consumer terminals, create at least two bill portfolios for the selected one of the consumer terminals, the two portfolios corresponding to different aspects of a financial profile of a consumer associated with the selected one of the consumer terminals; when a credit verifier has authorized the selected one of the consumer terminals to access the database; upon receipt of a request from the selected one of the consumer terminals, transmit signals to the selected one of the consumer terminals to cause display of an electronic bill representing a selected bill; upon receipt of instructions from the selected one of the consumer terminals, initiate payment of the selected bill; and update information in the database with payments information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system comprising:
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a database storing data relating to a plurality of bills from a plurality of billers, the bills being associated with a plurality of consumers having consumer terminals; a bill data processor coupled to the database, the bill data processor configured to; receive bill data relating to the plurality of bills; convert the bill data into a format compatible with the database; a bill report processor coupled to the database, the bill report processor being configured to authenticate merchant identification numbers received from billers and, upon authentication, to provide a report to a biller, the report including data relating to a status of bills corresponding to the bill data stored in the database; a bill security element configured to require encrypted access information before allowing access to the database; a bill payment processor configured to communicate between the financial institutions and the database regarding bill payment; and a portal interface implemented by at least one processor and configured to; in response to signals received from a selected one of the consumer terminals, prompt a consumer associated with the selected one of the consumer terminals, via a visual interface, for logon information; receive the logon information; use the logon information to initiate an interactive session via the bill security element with a credit verifier and query the credit verifier for database authorization for the consumer associated with the selected one of the consumer terminals; if authorization is received, allow the consumer associated with the selected one of the consumer terminals to access the database; in response to instructions received from the selected one of the consumer terminals, to create at least two bill portfolios for the consumer associated with the selected one of the consumer terminals, the two portfolios corresponding to different aspects of a financial profile of the consumer associated with the selected one of the consumer terminals; upon receipt of a request from the selected one of the consumer terminals, transmit signals to the selected one of the consumer terminals to cause display of an electronic bill representing one of the plurality of bills from a biller in one of the portfolios; upon receipt of instructions from the selected one of the consumer terminals, initiate payment of the bill represented by the electronic bill; and in response to instructions received from the selected one of the consumer terminals, display a plurality of visual interfaces associated with a web portal or bill presentment and payment website, the visual interfaces being associated with different web portals or bill presentment and payment websites from a biller in one of the portfolios. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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Specification