Inter-network electronic billing

• US 8,620,782 B2
• Filed: 08/31/2009
• Issued: 12/31/2013
• Est. Priority Date: 06/28/2001
• Status: Expired due to Fees

• Current Assignee: Checkfree Services Corporation (Fiserv Incorporated)
• Original Assignee: Checkfree Services Corporation (Fiserv Incorporated)
• Inventors: Kight, Peter, Ganesan, Ravi, Lewis, Matt, Hobday, D. Kenneth Jr., Dreyer, Hans Daniel
• Primary Examiner(s): Glass, Shay S
• Application Number:
  US12/551,253
• Publication Number:
  US 20090319410A1
• Time in Patent Office: 1,583 Days
• Field of Search: 705/34
• US Class Current: 705/34
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/04 Payment circuits
• 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 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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

Abstract

Systems and methods for electronic billing activation are provided. A request on behalf of a payer to activate electronic billing from a biller for the payer is received by a first electronic financial service provider (EFSP) that supports a first of a plurality of electronic financial service networks (EFSNs) from a second EFSP that supports a second of the plurality of EFSNs. Each of the plurality of EFSNs includes a respective plurality of billers or payers, and the biller is associated with the first EFSN and not associated with the second EFSN, while the payer is not associated with the first EFSN. In response to the received request, activation confirmation information is transmitted by the first EFSP to the second EFSP. The electronic billing activation enables subsequent electronic transmission of a bill from the biller for the payer.

Claims

1. A method comprising:

receiving, by a first electronic financial service provider from a second electronic financial service provider, a request on behalf of a payer to activate electronic billing from a biller for the payer, wherein the first electronic financial service provider supports a first of a plurality of electronic financial service networks and the second electronic financial service provider supports a second of the plurality of electronic financial service networks, each of the plurality of electronic financial service networks comprising a respective plurality of billers or payers, wherein the biller is associated with the first electronic financial service network and not associated with the second electronic financial service network, and wherein the payer is not associated with the first electronic financial service network; and

transmitting, by the first electronic financial service provider to the second electronic financial service provider responsive to the received request, activation confirmation information associated with the request,

wherein electronic billing activation enables subsequent electronic transmission of a bill from the biller for the payer, and

wherein the above steps are performed by one or more computers associated with the first electronic financial service provider.

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

transmitting, by at least one of the one or more computers associated with the first electronic financial service provider to the biller, a second request on behalf of the payer to activate electronic billing from the biller for the payer.

3. The method of claim 2, further comprising:

receiving, by the at least one of the one or more computers associated with the first electronic financial service provider from the biller responsive to the second request, a response indicating confirmation of biller activation of electronic billing for the payer.

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

receiving, by the first electronic financial service provider, a second request to determine whether the biller is associated with the first electronic financial service network; and

transmitting, by the first electronic financial service provider in response to the second request, information indicating that the biller is associated with the first electronic financial service network,

wherein the above steps are performed by the one or more computers associated with the first electronic financial service provider.

5. The method of claim 4, wherein the second request is received by the first electronic financial service provider from one of (i) an inter-network directory server or (ii) the second electronic financial service provider.

6. The method of claim 4, further comprising:

transmitting, by at least one of the one or more computers associated with the first electronic financial service provider in response to the second request, information identifying one or more candidate billers, wherein the information identifying one or more candidate billers includes information identifying the biller.

7. The method of claim 1, further comprising:

transmitting, by at least one of the one or more computers associated with the first electronic financial service provider to an inter-network directory server, information identifying one or more billers associated with the first electronic financial service provider, wherein the information identifying the one or more billers associated with the first electronic financial service provider includes information identifying the biller, and

wherein the request to activate electronic billing is received subsequent to transmitting the information identifying the one or more billers associated with the first electronic financial service provider.

8. The method of claim 1, further comprising:

receiving, by the first electronic financial service provider from the biller, electronic billing information associated with the bill from the biller for the payer; and

transmitting, by the first electronic financial service provider to the second electronic financial service provider, at least a portion of the received electronic billing information,

wherein the electronic billing information is transmitted subsequent to transmitting the activation confirmation information, and

wherein the above steps are performed by the one or more computers associated with the first electronic financial service provider.

9. The method of claim 8, wherein the request is a first request, and further comprising:

receiving, by the first electronic financial service provider from the second electronic financial service provider, a second request on behalf of the payer for the bill of the biller,

wherein the at least a portion of the received electronic billing information is transmitted responsive to receiving the second request.

10. The method of claim 8, further comprising:

receiving an indication that funds have been received at an account associated with the first electronic financial service provider from an account associated with the second electronic financial service provider as a payment for the bill of the biller; and

directing the transfer of at least a portion of the funds received at the account associated with the first electronic service provider to an account associated with the biller,

wherein the above steps are performed by the one or more computers associated with the first electronic financial service provider.

11. The method of claim 10, further comprising:

receiving, at the first electronic financial service provider from the second electronic financial service provider, remittance advice associated with the payment; and

transmitting, by the first electronic financial service provider to the biller, the remittance advice,

wherein the above steps are performed by the one or more computers associated with the first electronic financial service provider.

12. A system, comprising:

at least one network interface operable to receive, at a first electronic financial service provider, a request on behalf of a payer to activate electronic billing from a biller for the payer, wherein the first electronic financial service provider supports a first of a plurality of electronic financial service networks and the second electronic financial service provider supports a second of the plurality of electronic financial service networks, each of the plurality of electronic financial service networks comprising a respective plurality of billers or payers, wherein the biller is associated with the first electronic financial service network and not associated with the second electronic financial service network, and wherein the payer is not associated with the first electronic financial service network;

at least one memory associated with the first electronic financial service provider and storing computer-executable instructions; and

at least one processor associated with the first electronic financial service provider, wherein the at least one processor is configured to access the at least one memory and execute the computer-executable instructions to (i) receive the request from the at least one network interface, and (ii) direct, by the at least one network interface to the second electronic financial service provider, the transmission of activation confirmation information associated with the request,

wherein electronic billing activation enables subsequent electronic transmission of a bill from the biller for the payer.

13. The system of claim 12, wherein:

the request is a first request,

the at least one processor is further configured to execute the computer-executable instructions to direct, to the biller by the at least one network interface, the transmission of a second request on behalf of the payer to activate electronic billing from the biller for the payer, and

the at least one network interface is further operable to transmit the second request.

14. The system of claim 13, wherein:

the at least one network interface is further operable to receive, from the biller responsive to the second request, a response indicating confirmation of biller activation of electronic billing for the payer.

15. The system of claim 12, wherein:

the request is a first request,

the at least one network interface is further operable to receive, a second request to determine whether the biller is associated with the first electronic financial service network, and

the at least one processor is further configured to execute the computer-executable instructions to (i) determine that the biller is associated with the first electronic financial service network and (ii) direct, by the at least one network interface in response to the second request, the transmission of information indicating that the biller is associated with the first electronic financial service network.

16. The system of claim 15, wherein the second request is received from one of (i) an inter-network directory server or (ii) the second electronic financial service provider.

17. The system of claim 15, wherein:

the at least one processor is further configured to execute the computer-executable instructions to (i) identify, in response to the second request, one or more candidate billers and (ii) direct, by the at least one network interface, the transmission of information identifying the one or more candidate billers, the information identifying the one or more candidate billers including information identifying the biller.

18. The system of claim 12, wherein:

the at least one network interface is further operable to transmit, to an inter-network directory server, information identifying one or more billers associated with the first electronic financial service provider, the information identifying the one or more billers associated with the first electronic financial service provider including information identifying the biller,

the at least one processor is further configured to execute the computer-executable instructions to direct the transmission of the information identifying one or more billers, and

the request to activate electronic billing is received subsequent to transmitting the information identifying one or more billers associated with the first electronic financial service provider.

19. The system of claim 12, further wherein:

the at least one network interface is further operable to (i) receive, from the biller, electronic billing information associated with the bill from the biller for the payer and (ii) transmit, to the second electronic financial service provider subsequent to the transmission of the activation confirmation information, at least a portion of the received electronic billing information, and

the at least one processor is further configured to execute the computer-executable instructions to direct the at least one network interface to transmit the at least a portion of the received electronic billing information to the second electronic financial service provider.

20. The system of claim 19, wherein:

the request is a first request, and

the at least one network interface is further operable (i) to receive, from the second electronic financial service provider, a second request on behalf of the payer for the bill of the biller, and (ii) to transmit the at least a portion of the received electronic billing information responsive to receiving the second request.

21. The system of claim 19, wherein the at least one network interface is further operable to receive, from the second electronic financial service provider, remittance advice associated with a payment for the bill of the biller.

22. The system of claim 21, wherein:

the at least one network interface is further operable to transmit, to the biller, the received remittance advice, and

the at least one processor is further operable to direct the transmission of the received remittance advice.

23. A system, comprising:

means for receiving, by a first electronic financial service provider from a second electronic financial service provider, a request on behalf of a payer to activate electronic billing from a biller for the payer, wherein the first electronic financial service provider supports a first of a plurality of electronic financial service networks and the second electronic financial service provider supports a second of the plurality of electronic financial service networks, each of the plurality of electronic financial service networks comprising a respective plurality of billers or payers, wherein the biller is associated with the first electronic financial service network and not associated with the second electronic financial service network, and wherein the payer is not associated with the first electronic financial service network; and

means for transmitting, by the first electronic financial service provider to the second electronic financial service provider responsive to the received request, activation confirmation information associated with the request,

wherein electronic billing activation enables subsequent electronic transmission of a bill from the biller for the payer.