US 9,639,830 B2Granted

Methods, systems, and devices to dynamically customize electronic bill presentment and payment workflows

AssigneeAliaswire, Inc.

InventorsAlexander Rodriguez, Hossein Mohsenzadeh

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Abstract

Embodiments of systems, methods and devices for electronic bill presentment and payment are disclosed. Such embodiments include receiving one or more instructions from a biller at a remote computer server. Further, the remote computer server implements an electronic bill presentment and payment (EBPP) workflow configuration module and provisions, using the EBPP workflow configuration module, one or more configuration parameters for the biller based on the one or more received instructions. In addition, embodiments include configuring, dynamically an EBPP workflow based on the one or more received instructions and provisioned configuration parameters using the EBPP workflow configuration module. The configuring of the EBPP workflow includes generating a state machine implementing the EBPP workflow. Moreover, embodiments include configuring one or more business logic scripts by the EBPP workflow configuration module to implement the EBPP workflow as well as configuring one or more view templates by the EBPP workflow configuration module to implement the EBPP workflow.

Claims27

Dependent claims

A method for electronic bill presentment and payment, comprising:

presenting a user interface running on a computing device, for configuring an electronic bill presentment and payment (EBPP) system;
receiving, by a remote computer server, one or more instructions from the said user interface to dynamically implement an electronic bill presentment and payment workflow in run time;
generating, on the remote computer server, a state machine based on the instructions received from the user interface on the computing device such that the state machine implements the EBPP workflow, by provisioning one or more configuration parameters based on the one or more received instructions, the state machine including an action state and a view state such that:
one or more action states, implemented by the remote computer server, executes a first set of business logic scripts to determine a next state of the state machine in implementing the EBPP workflow, and
one or more view states, implemented by the remote computer server, executes a second set of business logic scripts to display a view to a payor;
sending the first set of business logic scripts and the second set of business logic scripts to a sandbox processor executing on the remote computer server, the sandbox processor populating a sandbox context with the data used during processing of the first logic scripts and the second logic scripts,
causing the sandbox context to restrict access to read and write to model data, set messages for a send user and affect a routing of the state machine;
and
activating, based on instructions in the received logic scripts, an update on the computing device that reflects the first set of business logic scripts and the second set of business logic scripts.

6 more elements

A method for electronic bill presentment and payment, comprising:

presenting a user interface running on a computing device, for configuring an electronic bill presentment and payment (EBPP) system;
receiving, by a remote computer server, one or more instructions from the said user interface to dynamically implement an electronic bill presentment and payment workflow in run time;
and
generating, on the remote computer server, a state machine based on the instructions received from the user interface on the computing device such that the state machine implements the EBPP workflow, by provisioning one or more configuration parameters based on the one or more received instructions, the state machine including one or more states such that the state machine;
determines a current state based on a previous state of the state machine and the transition from previous state;
executes the current state;
executes one or more business logic scripts configured by the EBPP workflow configuration module by the remote computer server to:
determine a next state in the state machine;
and
transition to the next state in the state machine;
transmits the one or more business logic scripts mapped to the current state to a sandbox processor on the remote computing server, the sandbox processor populating a sandbox context that restricts access to read and write to model data, sets messages for a send user and affects a routing of the state machine;
and
activates, based on instructions in the received logic scripts, an update on the computing device that reflects the first set of business logic scripts and the second set of business logic scripts.

10 more elements

Dependencies are inferred from the claim text.

Facts

Application: 14/202,385Filed 10 Mar 2014
Published: US 2015/0254617 A110 Sep 2015
Granted: 2 May 2017
Term ends: Not estimatedThe source records don’t support an estimate.

Classification4 codes

G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments
G06Q 10/0633
Operations research, analysis or management: workflow analysis
G06Q 10/06332
Workflow analysis: using business process templates
G06Q
Information and communication technology [ict] specially adapted for administrative, commercial, financial, managerial