US 2014/0351119 A1 · ELECTRONIC BILL PRESENTMENT AND PAYMENT SYSTEM AND METHOD

Abstract

A method and system using a communication network such as the Internet to allow registered users the flexibility to pay a bill by using traditional non-electronic payment methods after receiving an e-mail notification. The e-mail notification contains at least summary information which is formatted in the form of a remittance which can be included with the non-electronic form of payment allowing a user to retain the ability to pay a bill non-electronically while still being electronically notified that the bill is coming due. Additionally, a registered user has the option to pay a bill electronically after receiving the e-mail by clicking on an appropriate web address embedded within that e-mail. The registered user will either be directed to a biller website or a Customer Service Provider (CSP) and/or a Business Service Provider (BSP) website and given the option to pay the bill electronically.

Claims24

Dependent claims

An electronic bill presentment and payment system for providing a billing service to users having user terminals for paying at least one biller, the system comprising:

at least one storage medium storing instructions and data;
at least one computer processor accessing the at least one storage medium and executing the instructions to perform steps including:
hosting a website for establishment and administration of user billing data;
generating an HTML formatted copy of a bill for at least one user based on the user billing data, and formatting at least a portion of the user billing data in a printable form of a remittance slip;
sending data to the user terminals including mobile devices accessing an Internet web browser, the data including billing notifications with at least one embedded URL for the hosted website, at least one of the billing notifications containing, or providing access to, said remittance slip to facilitate a paper-based payment option;
authenticating a user when the user selects the at least one embedded URL, and presenting the authenticated user a full billing statement with options for an electronic payment or a paper-based payment;
and
processing one or more payments as requested by the user.

5 more elements

Dependencies are inferred from the claim text.

Electronic bill presentment and payment system and method

Life of this patent

Electronic bill presentment and payment system and method

Life of this patent

Abstract

Claims24