System and method for bill delivery and payment over a communications network

A system for delivering and paying subscriber bills associated with a plurality of billers, comprising:

• a communications port configured to transmit bill presentment information representing one or more bills for a subscriber, each of the one or more bills having an associated biller, and to receive a signal indicative of the selection by the subscriber of at least one of the one or more bills represented by the transmitted bill presentment information for payment, via a communications network;
• and
• a processor configured to generate remittance advice based on each transmitted payment record, and to route the remittance advice which is generated based on the transmitted payment record for each selected bill, to the biller associated with that bill.

A method of delivering and paying bills, comprising:

• transmitting bill presentment information representing one or more bills, each having an associated biller, to a subscriber via a communications network;
• receiving a payment record via the communications network, for at least one of the one or more bills represented by the transmitted bill presentment information, which has been selected by the subscriber for payment;
• generating remittance advice based on each transmitted payment record, and directing a delivery of the remittance advice which is generated based on the transmitted payment record for each selected bill, to the biller associated with that bill.