Methods and systems for delivery of information upon enrollment in an internet bill presentment and payment environment
First Claim
1. In a bill presentment and payment environment with a scheduled time to communicate billing information with a set of billers, a bill presentment and payment method comprising:
- receiving, from a customer computer and at a client object of a consolidator server of an Internet bill presentment and payment (IBPP) system, customer registration information, including information sufficient to identify the customer;
providing, by the client object of the consolidator server, the customer identification information to one of the billers as part of a first request indicating enrollment in the bill presentment and payment system, said customer information being provided to a biller server associated with the biller, the biller server including a server object, a request handler, connected to the server object, and an implementation object which receives requests from the request handler; and
upon validation of the customer information by the server object of the biller server, permitting access by the customer to billing information from the one of the billers at an unscheduled time.
3 Assignments
0 Petitions
Accused Products
Abstract
Methods and systems consistent with the present invention provide real-time customer profile and billing information in an IBPP environment. Specifically, in a bill presentment and payment system with a scheduled time to communicate billing information with a set of billers, customer registration information, including identification information, is received. A request, including the customer identification information, is provided to a biller, outside of the scheduled time for communication. The customer is thus permitted access to the billing information at an unscheduled time.
88 Citations
28 Claims
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1. In a bill presentment and payment environment with a scheduled time to communicate billing information with a set of billers, a bill presentment and payment method comprising:
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receiving, from a customer computer and at a client object of a consolidator server of an Internet bill presentment and payment (IBPP) system, customer registration information, including information sufficient to identify the customer; providing, by the client object of the consolidator server, the customer identification information to one of the billers as part of a first request indicating enrollment in the bill presentment and payment system, said customer information being provided to a biller server associated with the biller, the biller server including a server object, a request handler, connected to the server object, and an implementation object which receives requests from the request handler; and upon validation of the customer information by the server object of the biller server, permitting access by the customer to billing information from the one of the billers at an unscheduled time. - View Dependent Claims (2, 3, 4, 5)
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6. In a bill presentment and payment environment with a scheduled time to communicate billing information with a requesting Internet bill presentment and payment (IBPP) system, a method for providing billing information comprising:
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receiving, by a server object of a biller server having a request handler connected to the server object and an implementation object which receives requests from the request handler, and from a client object of a requesting IBPP system, a request for information associated with a customer, wherein the request is verified and validated by the server object; retrieving the requested information; and forwarding the retrieved information to the requesting IBPP system at an unscheduled time. - View Dependent Claims (7)
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8. A system for permitting real-time access by a customer to billing information in an Internet bill presentment and payment environment, the system comprising:
- a consolidator server; and
a biller module, connected to the consolidator module, wherein the biller module includes biller-independent submodules for communicating with the consolidator module;
biller-dependent modules for retrieving information from data stored by the biller; and
an interface enabling the biller-independent submodules to interact with the biller-dependent submodules, wherein the biller module includes;
a server object, which receives a request from the consolidator module;
a request handler, connected to the server object; and
an implementation object which receives the request from the request handler. - View Dependent Claims (9, 10, 11, 12)
- a consolidator server; and
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13. A computer-readable medium including instructions for performing a method in a bill presentment and payment environment with a scheduled time to communicate billing information with a set of billers, when executed by a processor, the bill presentment and payment method comprising:
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receiving, by a client object, customer registration information, including information sufficient to identify the customer; providing, by the client object to a server object, the customer identification information to one of the billers as part of a first request indicating enrollment in the bill presentment and payment system; and permitting, upon verification of the customer registration information by the server object through a request submitted via a request handler and an implementation object that receives the request from the request handler, access by the customer to billing information from the one of the billers at an unscheduled time. - View Dependent Claims (14, 15, 16, 17)
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18. A computer-readable medium including instructions for performing a method, when executed by a processor, in a bill presentment and payment environment with a scheduled time to communicate billing information with a requesting IBPP system, for providing billing information, the method comprising:
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receiving, by a server object and from the requesting IBPP system, a request for information associated with a customer; retrieving, in response to a request from the server object to a request handler and from an implementation object that receives the request from the request handler, the requested information; and forwarding, by the server object, the retrieved information to the requesting IBPP system at an unscheduled time. - View Dependent Claims (19)
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20. In a bill presentment and payment environment, a method of requesting information from a biller comprising:
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receiving, by a client object, customer registration information, including information sufficient to identify the customer; and providing, by the client object to a server object, the customer identification information to the biller as part of a request indicating enrollment in the bill presentment and payment system, wherein the request is provided to the biller in accordance with a bill data exchange protocol and upon verification of the customer registration information by the server object through a request submitted via a request handler and an implementation object that receives the request from the request handler, permitting access by the customer to billing information from the biller.
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21. In a bill presentment and payment environment, a method of providing billing data to a requesting IBPP system, the method comprising:
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receiving, by a server object of a biller server having a request handler connected to the server object and an implementation object which receives requests from the request handler, and from a client object of the requesting IBPP system, a request; retrieving the billing data based on the request; and providing the retrieved data to the requesting IBPP system, wherein the retrieved data is provided to the requesting IBPP system in accordance with a bill data exchange protocol.
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22. In a bill presentment and payment environment with a set of billers, a real-time bill presentment and payment method comprising:
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receiving, by a client object of a consolidation server, customer registration information, including information sufficient to identify the customer; providing, by the client object, the customer identification information to a biller server associated with one of the billers as part of a request indicating enrollment in the bill presentment and payment system; and upon verification of the customer registration information by the server object through a request submitted via a request handler and an implementation object that receives the request from the request handler, permitting real-time access by the customer to billing information from the one of the billers. - View Dependent Claims (23, 24, 25, 26)
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27. In a bill presentment and payment environment, a method for providing billing information to a requesting IBPP system in real-time, the method comprising:
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receiving, at a server object and from the requesting IBPP system, a request for information associated with a customer; retrieving, in response to a request from the server object to a request handler and from an implementation object that receives the request from the request handler, the requested information; and forwarding, by the server object, the retrieved information to the requesting IBPP system in real-time. - View Dependent Claims (28)
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Specification