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Electronic bill presentation and payment method and system

  • US 8,630,949 B2
  • Filed: 03/19/2012
  • Issued: 01/14/2014
  • Est. Priority Date: 03/26/1999
  • Status: Expired due to Fees
First Claim
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1. A method of electronically presenting bills for a customer, comprising:

  • subscribing the customer to a bill presentment system for receiving electronic bills and paper bills for the customer;

    notifying a plurality of billers that the customer has subscribed to the bill presentment system, the billers including electronic-based billers and paper-based billers;

    receiving an electronic bill and a paper bill for the customer from at least one of the plurality of billers;

    scanning the paper bill received for the customer to generate electronic image information;

    extracting first optical character recognition (OCR) data from the electronic image information;

    searching the first OCR data for at least one numeric identifier of a type of the scanned paper bill;

    identifying the type of the scanned paper bill by comparing the at least one numeric identifier to a list of types stored in a memory;

    extracting second OCR data from the electronic image information using a template corresponding to the identified bill type;

    extracting billing information from the second OCR data;

    comparing the extracted billing information with known information;

    based on the comparison, combining the electronic bill and the extracted billing information into a customer bill presentation; and

    presenting the customer bill presentation to the customer.

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