US20130124406A1 - Electronic Bill Presentment and Payment System and Method - Google Patents
Electronic Bill Presentment and Payment System and Method Download PDFInfo
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- US20130124406A1 US20130124406A1 US13/735,090 US201313735090A US2013124406A1 US 20130124406 A1 US20130124406 A1 US 20130124406A1 US 201313735090 A US201313735090 A US 201313735090A US 2013124406 A1 US2013124406 A1 US 2013124406A1
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- billing
- bill
- user
- biller
- payer
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/325—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks
- G06Q20/3255—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices using wireless networks using mobile network messaging services for payment, e.g. SMS
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/386—Payment protocols; Details thereof using messaging services or messaging apps
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
Definitions
- a copy of the summary information contained in or attached to the e-mail presentment message is in the form of a remittance slip as is found in a traditional paper based bill.
- the bill recipient is able to print out the remittance slip which can then be included by the payer along with the non-electronic form of payment (e.g. cash or check).
- Another advantage of the present invention is that the biller transparently sends bill information to a customer service provider (CSP) and/or a Biller Service Provider (BSP) which generates an HTML formatted copy of the bill for use by the payer.
- CSP customer service provider
- BSP Biller Service Provider
- FIG. 2 is a block diagram of the functional elements of site processors and user terminals constructed in accordance with the principles of the present invention.
- FIG. 7 is a flow chart detailing the payment options arranged in accordance with the present invention.
- the functional elements of information processor 120 include a central processing unit (CPU) 180 used to execute software code in order to control the operation of the information processor 180 , read only memory (ROM) 200 , random access memory (RAM) 220 , at least one network interface 240 to transmit and receive data to and from other computing devices, such as user terminals 140 , a storage device 260 such as a floppy disk drive, hard disk drive, tape drive, CD rom and the like for storing program code, database as application data, and one or more input devices 280 such as a keyboard and a mouse.
- CPU central processing unit
- ROM read only memory
- RAM random access memory
- network interface 240 to transmit and receive data to and from other computing devices, such as user terminals 140
- a storage device 260 such as a floppy disk drive, hard disk drive, tape drive, CD rom and the like for storing program code, database as application data
- input devices 280 such as a keyboard and a mouse.
- billers 10 have two options available to them with respect to hosting electronic access to the on-line information according to the present invention.
- the biller 10 can chose to host the enrollment, log-on and authentication of the payers 30 or have the CSP/BSP 20 host the enrollment, log-on an authentication.
- An advantage of the biller hosted embodiment is that the payer 30 is directed to the biller's website 510 directly by clicking on or typing in the URL contained in the email 25 ( FIG. 3 ). This allows the biller to advertise or inform payers 30 of information selected by the biller 10 .
- FIG. 5 Two alternative methods of enrolling the payer 30 are illustrated in FIG. 5 .
- a user would only enroll through one or the other of these options since the end result of either method is a registered payer 30 .
- the user is directed to the CSP/BSP's website 530 (S- 105 ) and then directed to the CSP/BSP's enrollment page 540 (S- 145 ). Again as in step S- 120 , user information is requested such as name, account number, password (S- 160 ). If the user is approved (S- 150 ) a user account is created (S- 165 ) and a user approval notification 42 is sent to the user notifying him or her of the decision to approve enrollment (S- 170 ). If the user is denied, a denial notification 38 is sent to the user (S- 155 ).
- the payer 30 receives the e-mail 25 and then decides whether or not to pay the bill electronically (S- 500 ). If the payer 30 decides not to pay the bill electronically, the e-mail 25 is printed (S- 505 ). A check, cash or money order or other non-electronic form of payment is included with the printed e-mail 25 and sent to the biller with the printed e-mail 25 serving as a remittance form ensuring proper crediting of the payer's account (S- 515 ).
- ACH Automated Clearing House
- DDA Demand Deposit Account
- EFT Electronic Funds Transfer
- the CSP/BSP 20 that processes payments from payers 30 is a bank with established electronic links to the US ACH Network. It is possible, however, for a non-bank to practice the present invention by establishing their own link to the US ACH Network.
Abstract
Description
- This application is related and claims priority to U.S. provisional patent application Ser. No. 60/215,003, filed Jun. 29, 2000, entitled ELECTRONIC BILL PRESENTMENT AND PAYMENT SYSTEM AND METHOD, the entirety of which is incorporated herein by reference.
- The present invention generally relates to a system and method for Electronic Bill Presentment and Payment (EBPP) and more specifically to a system and method for EBPP providing flexible options for both billers and payers.
- Many financial experts believe that the banking industry is on the brink of a revolution in the area of EBPP. Consumers are starting to realize the convenience of electronic bill payment and billers are recognizing the reduced costs and reductions in late and delinquent payments provided by EBPP.
- Nevertheless, some problems exist in the present electronic bill paying systems that limits widespread acceptance among payers and billers alike. Consumers are naturally skeptical of a system that seems to lessen their ability to control their resources. Present electronic bill paying systems do not facilitate the kind of control that payers are accustomed to having in a traditional paper system such as cash or checks.
- A further problem exists in that payers have diverse computer hardware, software and expertise. Conventional EBPP systems require a payer to install special software to view a scanned copy of a bill. Billers face the problem of having to be able to accommodate all kinds of payers, with all kinds of diverse hardware and software systems.
- Furthermore, in prior EBPP systems, if a payer wanted to pay a bill by another means, i.e., send a check, the payer is left without a remittance slip to accompany the check.
- Accordingly, there is a need for an EBPP system that allows a payer some measure of flexibility and control over a payment while offering the benefits of an electronic bill paying system. The EBPP system should allow billers to electronically present bills to all payers regardless of the payer's particular computer configuration or expertise.
- The present invention allows a payer to decide how a specific bill will be processed. The payer receives an e-mail notification containing summary information with respect to a pending bill and can issue a paper check or schedule an electronic payment of the bill using the EBPP system. The summary information can either be contained in the body of the e-mail message or linked as an attachment to the e-mail.
- A copy of the summary information contained in or attached to the e-mail presentment message is in the form of a remittance slip as is found in a traditional paper based bill. The bill recipient is able to print out the remittance slip which can then be included by the payer along with the non-electronic form of payment (e.g. cash or check).
- The present invention allows the payer to view a full copy of the bill within the chosen browser environment. The e-mail presentment message preferably includes an embedded Uniform Resource Locator (URL) that is “clickable” enabling the payer to go directly to a web site containing the full billing information. If the payer's e-mail program does not support embedded URL's, a link address can be copied and pasted into the payer's browser. No special software is required other than the program (e.g., browser) the payer uses to access the Internet.
- Another advantage of the present invention is that the biller transparently sends bill information to a customer service provider (CSP) and/or a Biller Service Provider (BSP) which generates an HTML formatted copy of the bill for use by the payer.
- Yet another aspect of the present invention is that the biller has two hosting options available. The biller can choose to host the registration, log-in and authenticationr on its own site. Alternatively, the biller can allow a CSP/BSP to provide the complete hosting required to allow payers to utilize the present invention.
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FIG. 1 is a diagram of an example hardware arrangement for an electronic bill presentment and payment method and system constructed in accordance with the principles of the present invention. -
FIG. 2 is a block diagram of the functional elements of site processors and user terminals constructed in accordance with the principles of the present invention. -
FIG. 3 illustrates the structure and transaction flow according to the present invention. -
FIG. 4 shows the initial contact with payer according to the present invention. -
FIG. 5 is a flowchart outlining both a biller hosted and a CSP/BSP hosted system and method arranged in accordance with the present invention. -
FIG. 6 is a flow chart illustrating the general data flow from biller to payer. -
FIG. 7 is a flow chart detailing the payment options arranged in accordance with the present invention. - Referring now to the drawings in which like reference numbers refer to like elements, there is shown in
FIG. 1 a diagram of an example of an electronic bill presentment and payment (EBPP) system shown generally as 100 comprises one or more information processors, one ormore databases 125 and one ormore user terminals 140. Althoughinformation processor 120 is shown separate fromdatabase 125,database 125 could be contained withinprocessor 120.Database 125 can communicate withinformation processor 120 viaconnection 160 using any known communication method, including a direct serial or parallel interface or via a local or wide area network (for example, the Internet). -
User terminals 140 andinformation processors 120 communicate overdata connection 135 throughcommunication network 160.Communication network 160 can be any communication network, but is preferably the Internet or some other global computer network.Data connection 135 can be any known arrangement for accessingcommunication network 160 such as dial-up serial line interface (SLIP), protocol point-to-point protocol (PPP), integrated services digital network (ISDN), dedicated leased line servers, broadband (cable) access, frame relay, digital subscriber line (DSL), asynchronous transfer mode (ATM), or any other acceptable access technique. -
User terminals 140 have the ability to send and receive data acrosscommunication network 160 and the ability to display the received data on a display device using appropriate communication software such as an Internet web browser. By way of example,terminals 140 may be personal computers such as INTEL, Pentium-based computers or APPLE, Macintosh computers, but are not limited to such computers. Other terminals which can communicate over a global computer network, such as palm top computers, personal digital assistance (PDAs) and mass marketed Internet access devices, i.e., WebTV can be used. - According to the present invention,
user terminals 140access communication network 160 and receive an electronic notification from a CSP/BSP notifying the user of a billing obligation. The notification is generally in the form of an email with that email being printable as is known in the art. - As shown in
FIG. 2 , the functional elements ofinformation processor 120 include a central processing unit (CPU) 180 used to execute software code in order to control the operation of theinformation processor 180, read only memory (ROM) 200, random access memory (RAM) 220, at least one network interface 240 to transmit and receive data to and from other computing devices, such asuser terminals 140, astorage device 260 such as a floppy disk drive, hard disk drive, tape drive, CD rom and the like for storing program code, database as application data, and one ormore input devices 280 such as a keyboard and a mouse. - The various components of
information processor 120 need not be physically contained within the same chassis or even located at a single location. For example,storage device 260 may be located at a site which is remote from the remaining elements ofinformation processor 120 and may even be connected toCPU 180 acrosscommunication network 160 via network interface 240. - The nature of the invention is such that one of ordinary skill in the art of writing computer executable code (software) will be able to implement the described functions using one or a combination of popular computing programing languages.
- One of the functions performed by
information processor 120 is that of hosting a website for the establishment and administration of user billing information. A website typically communicates with web browsers using the hypertext transfer protocol (HTTP) to send and receive data, including HTML web page data and executable JAVA applets. Of course any known data transfer protocol and website definition language can be used to implement the present invention. - As used herein, references to displaying data on a terminal refer to the process of communicating data to
user terminal 140 acrosscommunication network 160, and processing the data such that the data can be viewed on theuser terminal 140 using an Internet browser or the like. A display screen onuser terminal 140 displays data which allows a user to “move” from website to website, and even to display a composite image comprised of data gathered from multiple websites. -
FIG. 4 illustrates the process for registeringpayers 30 to sign-up as users of the present invention.Billers 10 initiate contact withcustomers 30 by notifying them of the option to register for the EBPP service according to the present invention. This notification is preferably bye-mail 22 which includes an embedded URL which directs thepayer 30 to a website that enables thepayer 30 to register for the service (as will be described in more detail below). Alternatively, thebiller 10 can provide an insert to be included in a traditional paper-based invoice mailed to thepayer 30 that describes the EBPP system and method and invites thepayer 30 to enroll in the EBPP service. - Referring to
FIGS. 3 and 6 ,billers 10 typically utilize anaccounting system 5 that includes computers and data input devices to collect and organize thebilling data 15 as is known in the art. Thebilling data 15 is preferably sent asbulk billing data 800 containing all thebilling data 15 for a specified period of time (e.g. one month) to the Customer Service Provider (CSP) and/or Business Service Provider (BSP) 20. The CSP/BSP 20 loads thebulk billing data 800 into adatabase 125. The CSP/BSP 20 utilizes computers, servers, and communication software and hardware to electronically accept thebulk billing data 800 as is known in the art. Using the data provided in thebilling data 15 from thebillers 10, the CSP/BSP 20 produces electronic notifications 25 (i.e., e-mails) that are sent to thepayers 30 notifying them of an upcoming bill. - The CSP/
BSP 20 generates the electronic notifications in the form ofe-mail notifications 25 as discussed above. Thee-mail notifications 25 are preferably transmitted topayers 30 via acommunication network 160 such as the Internet. In one embodiment, thee-mail notifications 25 are sent directly to thepayers 30. In an alternative embodiment, theemail notifications 25 are transmitted to thepayers 30 through a third party provider such as CheckFree™. - The
e-mail notification 25 informs thepayer 30 that a bill has been generated by thebiller 10 for payment by thepayer 30. Thee-mail notification 25 contains at least summary information regarding the bill. The summary information can be included in the body of thee-mail 25 or can be included as an attachment. - Although
FIG. 3 only shows twopayers 30 and twobillers 10, it is understood that the system and method of the present invention can support a plurality ofbillers 10 and a plurality ofpayers 30. Each CSP/BSP 20 can support a plurality ofbillers 10. - The summary level information included in the
e-mail notification 25 is formatted in the same manner as a remittance slip in a traditional paper-based invoice. The summary information, therefore, includes at least the biller's name, statement date, minimum amount due and total amount due. - The
e-mail notification 25 also includes an embedded URL which directs thepayer 30 to a website where the full billing information may be viewed. Once at the web-site, thepayer 30 is required to accomplish a log-on procedure as is known in the art such as by providing a proper user-name and password. Once authenticated, thepayer 30 is able to view full billing information. - Referring to
FIGS. 5 and 7 ,billers 10 have two options available to them with respect to hosting electronic access to the on-line information according to the present invention. Thebiller 10 can chose to host the enrollment, log-on and authentication of thepayers 30 or have the CSP/BSP 20 host the enrollment, log-on an authentication. An advantage of the biller hosted embodiment is that thepayer 30 is directed to the biller'swebsite 510 directly by clicking on or typing in the URL contained in the email 25 (FIG. 3 ). This allows the biller to advertise or informpayers 30 of information selected by thebiller 10. - In the biller hosted embodiment, the
biller 10 must have computer hardware and software required to host thewebsite 510. Alternatively, thebiller 10 can let the CSP/BSP 20 handle all hosting operations. The biller choosing to let the CSP/BSP 20 host the system need not invest in the hardware and software needed to host the services but must pay the CSP/BSP 20 for performing this service. - Two alternative methods of enrolling the
payer 30 are illustrated inFIG. 5 . Of course, a user would only enroll through one or the other of these options since the end result of either method is a registeredpayer 30. - Referring now to
FIGS. 4 and 5 ,email notification 22 contains the website URL to either the biller'swebsite 510 or the CSP/BSP'swebsite 530 depending on whichoption biller 10 chooses. In step S100,payer 30 is directed to the biller's website 510 (S-110) if the CSP/BSP 20 is not hosting the service.Payer 30 is directed to the biller's enrollment page 520 (S115). User information is requested including name, password selection and other security account information (S-120). If the user is approved (S-125), a user account is created (S-135) and auser approval notification 36 is sent out (S-140). The user notification can contain a URL to the biller'swebsite 510, password and any other information thebiller 10 or CSP/BSP 20 chooses. If the user is denied enrollment, anotification 34 is sent out informing the user of the denial (S-130). - If the CSP/
BSP 20 is hosting the service, the user is directed to the CSP/BSP's website 530 (S-105) and then directed to the CSP/BSP's enrollment page 540 (S-145). Again as in step S-120, user information is requested such as name, account number, password (S-160). If the user is approved (S-150) a user account is created (S-165) and auser approval notification 42 is sent to the user notifying him or her of the decision to approve enrollment (S-170). If the user is denied, adenial notification 38 is sent to the user (S-155). -
FIGS. 3 and 6 illustrate the process by which billing information is transmitted from thebiller 10 to the CSP/BSP 20 and notifying thepayer 30 of an upcoming bill. As discussed earlier, the billing information is preferably sent as bulk billing data 800 (S-200) from thebiller 10. Typically, thebulk billing data 800 originates from the biller'saccounting system 5. Thebulk billing data 800 is for a specified period of time, generally a month and includes all of thebilling data 15 for all the participatingpayers 30 of thebiller 10. The CSP/BSP 20 performs a formatting operation on the “raw”bulk billing data 800 in order to generate a billing summary (S-210) (e.g., biller name, minimum amount due, total due, etc.). Alternatively, thebiller 10 itself can generate this summary information prior to the transmission to the CSP/BSP 20. The CSP/BSP 20 incorporates this summary information into ane-mail 25 and sends thee-mail notification 25 to thepayer 30 informing him or her of the bill originating with the biller 10 (S-220). As described above, theemail notification 25 also contains a URL that can be used by thepayer 30 to connect to a website to view the full billing information. - As previously discussed, the
e-mail 25 contains a summary of the bill that is detailed enough for thepayer 30 to manually pay the bill using a traditional non-electronic form of payment such as by check, cash, money order or other non-electronic means and typically remits payment using traditional non-electronic means (e.g., by mail). Apayer 30 using this option is automatically notified when a bill is due, but retains the ability to pay the bill using traditional methods. - Referring now to
FIG. 7 , thepayer 30 receives thee-mail 25 and then decides whether or not to pay the bill electronically (S-500). If thepayer 30 decides not to pay the bill electronically, thee-mail 25 is printed (S-505). A check, cash or money order or other non-electronic form of payment is included with the printede-mail 25 and sent to the biller with the printede-mail 25 serving as a remittance form ensuring proper crediting of the payer's account (S-515). - If
payer 30 chooses to pay the bill electronically (S-500), he or she is directed to either the biller'swebsite 510 or the CSP/BSP'swebsite 520 depending upon the billing option chosen (S-520). In the case where the biller is hosting the service, thepayer 30 is directed to the biller's website 510 (S-525). The payer must be authenticated to ensure that the user attempting to log-in is actually thepayer 30 and authorized to use the system. Authentication occurs using traditional security measures such as user-names, passwords, etc. as is known in the art (S-530). If authentication fails, the session is either ended or the user is returned to the billing website to try to log-in again (S-535). Lock-out procedures can be implemented if too many incorrect log-in attempts are recorded or other security measures as is known in the art to ensure proper security. The authenticated user is directed to apayment screen 500 hosted by the CSP/BSP (S-540).Payer 30 is presented with the full statement detail of the bill and with an option to pay the bill electronically 300.Payment screen 500 may also have links to other information as shown in step S-575 and will be discussed in more detail below. Oncepayer 30 chooses to pay the bill on-line by clicking theappropriate link 300, an electronic payment request (S-555) is sent across communication network for ACH processing (S-565) which credits the biller's account on behalf of payer 30 (S-570). Other links may optionally be included to return payer to themain website 510 to view advertisements or informational messages selected by thebiller 10. - If the CSP/BSP is hosting the service,
payer 30 is directed to the CSP/BSP's website 520 (S-545) for authentication as above.Payer 30 who fails to be authenticated is either allowed to try the log-in procedure again or the session can be ended (S-560). As above, standard security measures are known in the art to ensure thatpayer 30 is authorized to use the service. Ifpayer 30 is authenticated (S-550) he or she is directed to thepayment screen 500 and given the option to pay electronically. As above, thepayer 30 choosing to pay electronically, presses theappropriate link 300 which sends an electronic payment request (S-555) through a communication network to the ACH processing (S-565) which credits the biller's account on behalf of payer 30 (S-570). - As is known in the art, all security information as well as personal billing information is transmitted using security encryptions schemes such as secure sockets layer (SSL). Any secure username/pass-word and/or biometric schemes may be used to verify the identity of the
payer 30. An Automated Clearing House (ACH) instruction is generated that debits the payer's account (e.g., a Demand Deposit Account (DDA)) and credits the biller's account. Access to the ACH is provided by securely connecting to the United States ACH Network through a Electronic Funds Transfer (EFT) Department. Alternatively, the user could make this payment via a credit card, funds transfer, or any other acceptable form of electronic payment. It is preferred that the CSP/BSP 20 that processes payments frompayers 30 is a bank with established electronic links to the US ACH Network. It is possible, however, for a non-bank to practice the present invention by establishing their own link to the US ACH Network. - As part of the ACH process, the biller is provided remittance data concerning the transaction. If the payer is a customer of the CSP/
BSP 20, then internal book entries can take the place of an ACH and no ACH is generated. Of course thepayer 30 does not have to be a customer of the CSP/BSP 20. While there is no requirement that thepayer 30 be a customer of the CSP/BSP 20, abiller 10 utilizing the present invention would have to be a customer of the CSP/BSP 20. In the preferred embodiment, the CSP/BSP 20 is a bank, but a non bank can also function as the CSP/BSP 20. Additionally, the CSP can be a separate and distinct entity from the BSP, functioning together to perform the required services.
Claims (31)
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US14/328,798 US20140351119A1 (en) | 2000-06-29 | 2014-07-11 | Electronic bill presentment and payment system and method |
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US13/735,090 US20130124406A1 (en) | 2000-06-29 | 2013-01-07 | Electronic Bill Presentment and Payment System and Method |
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US9443268B1 (en) | 2013-08-16 | 2016-09-13 | Consumerinfo.Com, Inc. | Bill payment and reporting |
US20160328690A1 (en) * | 2015-05-05 | 2016-11-10 | Mastercard International Incorporated | Methods, systems, and computer readable media for integrating payments |
US9626664B2 (en) | 2012-03-07 | 2017-04-18 | Clearxchange, Llc | System and method for transferring funds |
US10318936B2 (en) | 2012-03-07 | 2019-06-11 | Early Warning Services, Llc | System and method for transferring funds |
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EP1307825A1 (en) | 2003-05-07 |
US20140351119A1 (en) | 2014-11-27 |
EP1307825A4 (en) | 2007-07-04 |
WO2002003229A1 (en) | 2002-01-10 |
US20030208441A1 (en) | 2003-11-06 |
CA2819055A1 (en) | 2002-01-10 |
CA2415071A1 (en) | 2002-01-10 |
US8417628B2 (en) | 2013-04-09 |
AU2001271547A1 (en) | 2002-01-14 |
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