US 2004/0064408 A1 · Integrated electronic bill presentment and payment

Abstract

A service provider activates, for a subscriber, a first biller for electronic presentment of bills and a second biller for electronic bill payments by receiving, from the subscriber, information identifying the first and the second of a plurality of billers, as well as subscriber information associated with the subscriber. The service provider transmits to the first biller a request for verification of validity of the received subscriber information, and receives a verification of validity responsive to the transmitted verification request. Based on the received verification of validity, the service provider activates electronic presentment of bills of the first biller for the subscriber. On the other hand, the service provider activates only electronic bill payment of the second biller for the subscriber, without any verification from the second biller of the validity of the received subscriber information.

Claims16

Dependent claims

A method of activating billers for a subscriber for electronic presentment of bills and for electronic payments, comprising:

receiving (i) first biller information identifying a first of a plurality of billers, (ii) second biller information identifying a second of the plurality of billers, and (iii) subscriber information associated with the subscriber;
transmitting, to the first biller identified in the received first biller information, a request for verification of validity of the received subscriber information;
receiving, from the first biller, the verification of the validity of the first subscriber information responsive to the transmitted verification request;
and
activating (i) electronic presentment of bills of the first biller, based on the received verification of validity, and (ii) only electronic payment of bills of the second biller without verification of validity of the received subscriber information by the second biller, for the subscriber.

2 more elements

A system for activating billers for a subscriber for electronic presentment of bills and for electronic payments, comprising:

a processor configured to receive (i) first biller information identifying a first of a plurality of billers, (ii) second biller information identifying a second of the plurality of billers, and (iii) subscriber information associated with the subscriber;
and
a memory configured to store the received first and the received second biller information and the received subscriber information;
wherein the processor is further configured (i) to direct, to the first biller identified in the received first biller information, a request for verification of validity of the received subscriber information, (ii) to receive, from the first biller, the requested verification of validity of the received subscriber information responsive to the directed verification request, and (iii) to activate, for the subscriber, electronic presentment of bills of the first biller based on the received verification of validity, and only electronic payment of the second biller identified in the received second biller informaiton without a verification of validity of the received subscriber information from the second biller.

1 more element

Dependencies are inferred from the claim text.

Integrated electronic bill presentment and payment

Life of this patent

Integrated electronic bill presentment and payment

Life of this patent

Abstract

Claims16