US20150170231A1 - Bill availability notification and billing information request - Google Patents
Bill availability notification and billing information request Download PDFInfo
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- US20150170231A1 US20150170231A1 US14/631,327 US201514631327A US2015170231A1 US 20150170231 A1 US20150170231 A1 US 20150170231A1 US 201514631327 A US201514631327 A US 201514631327A US 2015170231 A1 US2015170231 A1 US 2015170231A1
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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
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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
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- G—PHYSICS
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- 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
- G06Q20/085—Payment architectures involving remote charge determination or related payment systems
- G06Q20/0855—Payment architectures involving remote charge determination or related payment systems involving a third party
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- 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
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- G—PHYSICS
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- 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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- 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
- G06Q20/108—Remote banking, e.g. home banking
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- G—PHYSICS
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- 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
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- 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
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
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Abstract
Systems and methods for presenting billing information are provided. Billing information may be received by a bill presentment system, and the bill presentment system may transmit a notice indicating availability of bill presentment information associated with the billing information. The notice may be transmitted in accordance with an e-mail protocol, and the notice may include a hyperlink enabling access to the bill presentment information via a second protocol other than the email protocol. Subsequent to transmitting the notice, a request for the bill presentment information may be received responsive to a selection of the hyperlink. The bill presentment information may be generated based upon at least a portion of the billing information. Additionally, the generated bill presentment may be transmitted by the bill presentment system in response to receiving the request.
Description
- This application is a continuation of U.S. application Ser. No. 13/453,734, filed Apr. 23, 2012, which is a continuation of U.S. patent application Ser. No. 13/041,876, filed Mar. 7, 2011, now U.S. Pat. No. 8,165,956, issued Apr. 24, 2012, which is a continuation of U.S. patent application Ser. No. 09/892,627, filed Jun. 28, 2001, now U.S. Pat. No. 7,933,826, issued Apr. 26, 2011, which is a continuation of U.S. patent application Ser. No. 09/034,561, filed Mar. 3, 1998, now U.S. Pat. No. 6,289,322, issued Sep. 22, 2001, the contents of which are incorporated by reference herein in their entireties.
- The present application is also related to U.S. patent application Ser. No. 09/795,314 (now abandoned), filed Mar. 1, 2001 and entitled “Electronic Bill Processing with Enhanced Bill Availability Notification and/or Enhanced Bill Presentation”; U.S. patent application Ser. No. 09/820,804 (now U.S. Pat. No. 7,366,697), filed Mar. 30, 2001 and entitled “Electronic Bill Presentment with Bill Categorization”; U.S. patent application Ser. No. 09/820,805 (now U.S. Pat. No. 7,636,688), filed Mar. 30, 2001 and entitled “Electronic Bill Processing with Multi-level Bill Information Storage”; U.S. patent application No. 09/820,955 (now abandoned), filed Mar. 30, 2001 and entitled “Electronic Bill Processing with Bill Normalization and Templating”; U.S. patent application Ser. No. 09/867,587 (now U.S. Pat. No. 7,120,602), filed May 31, 2001 and entitled “Bill Availability Notification and Billing Information Request”; U.S. patent application Ser. No. 09/867,588 (now abandoned), filed May 31, 2001 and entitled “Electronic Bill Presentation with Terms and Conditions Link”; U.S. patent application Ser. No. 09/892,628 (now abandoned), filed Jun. 28, 2001 and entitled “Electronic Bill Presentment Interface”; U.S. patent application Ser. No. 09/892,629 (now abandoned), filed Jun. 28, 2001 and entitled “Quick User Payment Authorization of Electronically Presented Bills”; U.S. patent application Ser. No. 10/060,745 (now abandoned), filed Feb. 1, 2002 and entitled “Bill Activation”; U.S. patent application Ser. No. 10/602,688 (now abandoned), filed Jun. 25, 2003 and entitled “Dual Mode Electronic Bill Availability Noticing and Payment”; U.S. patent application Ser. No. 10/608,413 (now abandoned), filed Nov. 24, 2003 and entitled “Integrated Electronic Bill Presentment and Universal Payment”; U.S. patent application Ser. No. 10/608,420 (now abandoned), filed Jun. 30, 2003 and entitled “Flexible Integrated Electronic Bill Presentment and Payment”; U.S. patent application Ser. No. 10/608,548 (now U.S. Pat. No. 7,383,226), filed Dec. 1, 2003 and entitled “Integrated Electronic Bill Presentment and Risk Based Payment”; U.S. patent application Ser. No. 10/608,414 (now abandoned), filed Nov. 24, 2003 and entitled “Integrated Electronic Bill Presentment and Payment”; U.S. patent application Ser. No. 10/608,439 (now abandoned), filed Jun. 30, 2003 and entitled “Integrated Electronic Bill Presentment and Payment with Improved Activation”; and U.S. patent application Ser. No. 10/608,433 (now abandoned), filed Jun. 30, 2003 and entitled “System and Method for Bill Delivery and Payment Over a Communications Network”.
- The present invention relates generally to electronic commerce and more particularly to electronic presentation of an aggregation of bills from different billers.
- Historically the billing process has been a three party process. More particularly, the typical billing process consists of billers, such as merchants, utility companies, service providers and bankcard companies, preparing hardcopy paper bills either directly or through an independent bill preparation service provider. The bills normally consist of detailed billing information relating to the goods or services purchased or ordered, including a detailed itemization of the billed charges. The billing information also includes the total charge, due date for payment and, in many cases, the minimum amount which must be paid by the due date.
- The hardcopy billing information relating to each individual biller is then placed in a separate envelope and mailed through the postal service to the applicable payor. The envelope may also be stuffed with other materials such as other product offerings, e.g., special discounts or new goods or services. Hence, each payor has historically received billing information from each biller as an individual hardcopy piece of correspondence received by mail.
- Most, although not all, billers bill on a periodic basis, such as each calendar month or every thirty days. However, although billers may issue bills covering similar periods of time, e.g., thirty day periods, individual billers may have billing cycles and bill issue dates which vary. For example, some monthly billers may have a billing period which extends from the fifteenth of one month to the fifteenth of the next month, while other billers may have a monthly billing period which extends from the last day of one month to the last day of the following month. Further, even if different billers bill charges incurred over identical periods, the issue dates of the bills can vary widely. Accordingly, payors typically receive bills at various times throughout, for example, any given calendar month.
- To complete the billing process individual payors have historically made payments directly to each individual biller by hardcopy paper check drawn against a financial institution and mailed via the postal service to the biller's remittance center. A returnable portion of the billing information received from the biller is typically returned with the check. The biller must then present the check f or payment through the payor's financial institution before the payment funds can be actually received by the biller and applied against the payors account.
- Systems have been implemented to allow payors to pay bills electronically. For example, U.S. Pat. No. 5,383,113 which is assigned to the assignee of the present application, discloses a system for electronic payment of bills received by individual payors from various billers. Recent improvements have been made in electronic bill payment systems, such as those disclosed in U.S. patent application Ser. No. 08/994,047 entitled An Electronic Bill Payment System with Merchant Identification, filed on Dec. 19, 1997 (now U.S. Pat. No. 7,296,004) and U.S. patent application Ser. No. 09/010,193, entitled Dual Source Remittance Processing, filed on Jan. 21, 1998, both of which are also assigned to the assignee of the present application and are incorporated herein by reference. Such systems allow the payor, using a home or office computing device, e.g. a personal computer, to access a centralized payment station, e.g. a server, via a network. Based upon the payor's authorization, the centralized station can access funds in the payor's checking account at a financial institution to pay various billers in accordance with payment instructions received from the payor via the network. The payments may be made either by electronic funds transfer or by hardcopy paper check to the individual billers.
- Although advances in electronic bill payment systems have significantly automated remittance processing, these systems have not eliminated the need for payors to continue to receive large numbers of hardcopy paper bills from individual billers. Hence, bill presentment has remained a tedious and expensive task both in terms of the preparation and the distribution of billing information.
- Recently, a centralized bill presentation system has been proposed. As proposed, billing information is forwarded to a centralized system by multiple billers. The received billing information is accumulated over some prespecified period of time corresponding to a billing cycle and then forwarded in a single transmission to the applicable payors. Although the proposed system could result in some reduction in the cost of distributing bills, it has numerous disadvantages.
- For example, since the proposed system transmits billing information to an individual payor only after bills from different billers have been accumulated over a predefined period of time, such as a calendar month, bills which have been issued early in the cycle may be received too late to avoid charges for late payment. Further, since billing information is only made available after the completion of a full billing cycle, even if a particular payor would prefer to review and pay bills on an ongoing basis throughout the billing cycle, the payor must wait until after the end of the cycle to receive a single batch of bills. The payor will therefore need to allocate a large block of time after receipt of the transmitted accumulated billing information to review and pay the associated bills. Hence, the proposed system is inflexible in dealing with individual payor demands. Although the proposed system may electronically transmit the accumulated billing information to the payors, because all information is sent in a single transmission significant communications network resources will be required for each transmission if detailed billing information is to be provided to each payor.
- Accordingly, it is an object of the present invention to provide a technique for electronically presenting billing information in a manner which facilitates the timely payment of bills by payors.
- It is another object of the present invention to provide a technique for electronically presenting billing information from different billers when desired by the payor.
- It is a further object of the present invention to provide a technique for electronically presenting bills in a form desired by a payor.
- Additional objects, advantages, novel features of the present invention will become apparent to those skilled in the art from this disclosure, including the following detailed description, as well as by practice of the invention. While the invention is described below with reference to a preferred embodiment (s), it should be understood that the invention is not limited thereto. Those of ordinary skill in the art having access to the teachings herein will recognize additional implementations, modifications, and embodiments, as well as other fields of use, which are within the scope of the invention as disclosed and claimed herein and with respect to which the invention could be of significant utility.
- In accordance with the invention, an electronic bill presentment system includes a memory, such as an electrical or optical storage device, a processor, such as a high speed microprocessor, and a communications network interface. The system may take the form of one or more servers interconnected to a private or public bill presentation network, e.g. the Internet.
- The memory stores billing information, associated with various billers, representing bills for various payors. Preferably the billing information is received from the billers or their representatives; e.g. bill consolidators, via the network interface and is stored on the memory by the processor in association with an identifier of the appropriate payor.
- In a typical operational sequence, the processor accesses the memory to read the stored billing information. Using this information, the processor generates bill presentment information which corresponds to a portion of the billing information which represents bills for a first payor. The processor also generates bill presentment information which corresponds to other portions of the billing information which represents bills for other payors. The bill presentment information may relate to paid bills, unpaid bills or bills having another desired status, or any combination thereof. The bill presentment information, may be a detailed bill which includes all the applicable billing information, could be a summary of the applicable billing information, or could be a simple retransmission of all or some of the applicable billing information. Some or all of the bill presentment information may also be stored in the memory.
- Preferably, the bill presentment information includes a summary listing of all bills of a desired status, such as all paid or unpaid bills. Beneficially, the bill presentment information includes a listing of respective billed amounts owed by the payor to a number of the different billers, which can be presented as one or more pages on a display, such as the monitor of a payor's home or off ice computer. The bill presentation information could also include a formatted version of all the applicable billing information, such as a full detailed presentation of a bill, which can be presented on a display so as to appear substantially similar to the conventional hardcopy bills which are regularly received by mail today.
- The processor generates signals directing transmission of the applicable bill presentment information responsive to requests for current billing information, received by the network interface, from respective payors. The network interface transmits the applicable bill presentment information to the appropriate payor responsive to the applicable signal.
- Preferably, the processor generates a notice of availability of current billing information to each of the payors for whom billing information has been received by the system and stored in the memory. In this regard, the processor generates a signal directing the transmission of each notice, responsive to which the network interface transmits a respective notice to the appropriate payor. Each notice may be an e-mail message addressed to the network e-mail address, e.g. an Internet e-mail address, of the appropriate payor.
- According to other aspects of the invention, the processor may also generate a further notice of availability of current billing information and a signal directing the transmission of this further notice to a payor after some period of time has passed subsequent to the applicable billing information having been first noticed to or requested by the payor. For example a further notice may be generated if no request for bill presentment information is received for some period of time after a first notice of availability has been transmitted. An additional notice may also or alternatively be generated if no notice of payment of some or all of the bills represented the applicable portion of the billing information has been received by the system for some period of time after bill presentment information has been requested by a payor, transmitted to a payor or viewed by a payor. The network interface transmits this further notice to the applicable payor responsive to the signal.
- According to further aspects of the invention, the processor may continuously update the bill presentation information based upon the new bill related information, such as additionally received billing information representing new bills to be paid or the payment of bills which were represented by billing information previously received by the applicable payor. In this regard, the processor, if desired, can generate new bill presentment information corresponding to some or all of the portion of the old billing information which represents bills for a particular payor, e.g. that which represents only those bills which have been paid or remain unpaid, and the portion of the new billing information which represents bills for the same payor, e.g. newly paid bills or new outstanding bills. If, for example all the bills represented by the applicable portion of the old billing information have been paid, the new bill presentment information would only include the applicable portion of the new billing information. This new billing information may be associated with the same and/or different billers as the previously received billing information, but would more typically relate to different billers. The processor also generates a signal directing the transmission, via the network interface, of the new bill presentment information to the applicable payor responsive to the payor's request for the then current billing information.
- In accordance with a further embodiment of the invention, an electronic bill presentment network is provided. The electronic bill presentment network includes a private or public communications network, such as the Internet, interconnecting multiple biller stations, multiple client stations and a network server.
- The biller stations each transmit the billing information associated with a respective one of the different billers to the server via the network. The network server receives and stores the transmitted billing information. The received information is stored such that the portion of the billing information representing bills for a particular payor is associated with that payor. Using a client station a payor can transmit, via the network, a request for current billing information. The network server receives each payor request and transmits bill presentment information, which corresponds to an appropriate portion of the billing information, to the applicable payor client station via the network responsive to the request.
- As discussed above, if desired, the network server can transmit a notice of availability of current billing information to payors via the network. The client stations may transmit, subsequent to the transmission of a first request for current billing information, one or more additional request for then current billing information via the network. Hence, applicable current bill presentation information will be provided on-demand to the payor.
- Beneficially, the network server receives notification of the payment of bills represented by the respective portion of the billing information applicable to each payor. In such a case, the network server only transmits or retransmits that part of the applicable bill presentment information which corresponds to the portion of the billing information representing the remaining unpaid bills via the network responsive to a payor request for information regarding outstanding bills which is received by the network server after receipt of the notice of payment.
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FIG. 1 depicts a bill processing network in accordance with the present invention. -
FIG. 2 depicts a functional block diagram of the bill processing network ofFIG. 1 . -
FIG. 2A depicts a simplified block diagram of the CF station ofFIG. 1 . -
FIG. 2B depicts a simplified block diagram of an exemplary payor station ofFIG. 1 . -
FIG. 3 depicts various types of payor stations which can be utilized in the bill processing network ofFIG. 1 . -
FIG. 4 depicts a payor enrollment screen in accordance with the present invention. -
FIG. 5 depicts another payor enrollment screen in accordance with the present invention. -
FIG. 6 depicts a still further payor enrollment screen in accordance with the present invention. -
FIG. 7 depicts a simplified flow diagram of the operation of the bill processing network depicted inFIG. 1 . -
FIG. 8 depicts a payor welcome screen in accordance with the present invention. -
FIG. 9A depicts bill presentment information which includes a new bill summary screen in accordance with the present invention. -
FIG. 9B depicts bill presentment information which includes an unpaid bill summary screen in accordance with the present invention. -
FIG. 9C depicts bill presentment information which includes another type of bill summary in accordance with the present invention. -
FIG. 10A depicts a pre-bill payment authorization screen in accordance with the present invention. -
FIG. 10B depicts another pre-bill payment authorization screen in accordance with the present invention. -
FIG. 11 depicts bill presentment information which includes a detailed bill screen in accordance with the present invention. -
FIG. 12A depicts a bill payment authorization screen in accordance with the present invention. -
FIG. 12B depicts a different bill payment authorization screen in accordance with the present invention. -
FIG. 12C details certain aspects of the bill payment authorization screen ofFIG. 12B . -
FIG. 13 depicts bill presentment information which includes a listing of information related to bills which have been authorized for payment in accordance with the present invention. -
FIG. 14 depicts a biller category screen in accordance with the present invention. -
FIG. 15 depicts a screen having bill presentment and payment authorization information in accordance with the present invention. -
FIG. 1 depicts acommunications network 100, which can be a private or public network such as a wide area network (WAN), the Internet or some other type of communication network for linking biller stations 110 a-110 d,payor stations 120 a-120 d, financial institution (FI)stations 130 a- 130 c and acentralized CF station 140. The biller stations 110 a-110 d may represent individual merchants, utility companies, service providers, bank credit card companies, or other individuals or entities to whom a payment is owed.Payor stations 120 a-120 d may represent individuals or entities which have purchased or ordered goods or services or otherwise have an outstanding debt to the billers represented by stations 110 a-110 d. The payers represented bystations 120 a-120 d maintain accounts with one or more of the financial institutions, which may, for example, be banks, credit unions or other type of financial institution or any combination. Each of the billers represented by stations 110 a-110 d may also maintain one or more deposit accounts in the financial institutions represented by stations 130 a-130 c. TheCF station 140 serves as a centralized bill processing system as will be described in detail below. -
FIG. 2 is a functional block diagram of the bill processing network depicted inFIG. 1 . As shown inFIG. 2 , theCF station 140 is interconnected, via thenetwork 100, with each of the biller stations 110 a-110 d and each of thepayor stations 120 a-120 d. Accordingly, each of the billers represented by stations 110 a-110 d can transmit, via thenetwork 100, billing information to each of the payors represented bystations 120 a-120 d as appropriate through theCF station 140. - As shown in
FIG. 2A , theCF station 140 includes a network interface (NI) 405 for receiving and transmitting communications via thenetwork 100. Thestation 140 also includes aprocessor 410 and amemory 420. Thestation 140 could, for example, be a high powered work station, minicomputer, mainframe computer or other type of network computing device which serves as a network server, or any combination of such devices. Thememory 420 stores, inarea 420 a, biller data such as the biller's name, remittance center address, deposit account number with one of the financial institutions represented by stations 130 a-130 c, account numbers for respective payors represented bystations 120 a-120 d, network address, e.g. an e-mail address, and other biller related information of each of the billers represented by stations 110 a-110 d. Payor data is stored inmemory area 420 b and will typically include such information as the payor's name and address, account numbers with respective billers represented by stations 110 a-100 d, checking account number with one of the financial institutions 130 a-130 c, network address, e.g. an e-mail address, and other payor related information. - The billing information received by the
CF station 140 from the respective billers represented by stations 110 a-110 d via thenetwork 100 is normalized by theserver processor 410 in accordance with the bill presentment software stored inmemory area 420 c. Different portions of the normalized bill information are stored inmemory area 420 d in association with a respective identifier of the appropriate payor represented bystation 120 a-120 d to whom that portion of the billing information relates. - The bill presentment software also generates a summary of the received billing information from each of the billers represented by stations 110 a-110 d for each of the payors represented by
stations 120 a-120 d and stores the summary information with an identifier of the applicable payor in thememory area 420 e. Bill templates are stored inmemory area 420 f. The bill templates can be merged with the normalized billing information to electronically present the billing information to the appropriate payor represented bystation 120 a-120 d in substantially the same form, including detailed billing information, biller logo, color and terms and conditions, as has historically been provided to the payor in hardcopy. Network software is stored inarea 420 g of thememory 420. - Once the billing information has been processed by the
processor 410 so as to be available for access by the appropriate payors, theprocessor 410 in accordance with the bill presentment software instructions stored inmemory area 420 c, generates an e-mail or other message to notify the applicable payors represented bystation 120 a-120 d of the availability of bill presentment information. Theprocessor 410 also generates a signal directing the transmission of the message, via thenetwork interface 405, to the applicable payors using a network address, e.g. an e-mail address, stored as part of the payor data inarea 420 a of thememory 420. - As shown in
FIG. 3 , thepayor 120 a-120 d may be represented by a personal computer (PC) 310 interconnected to thenetwork 100 by a modem, a television (TV) 320 interconnected to thenetwork 100 via a set top box, a touch tone telephone 330, amobile phone 340, anotebook computer 350 interconnected to thenetwork 100 by a modem, or some other network device. It will recognized by those skilled in the art that the network device could be of virtually any type capable of receiving a voice, graphic, or textual message. If different types of payor station devices are utilized, the payor data will include an identification of the particular type of network device being utilized by the payor. If audio devices such as telephone 330 ormobile phone 340 are utilized, theprocessor 410 is configured to include a voice synthesizer to generate voice messages and a voice signal converter to transform received audio messages into digital signals of processing atstation 140 in accordance with the bill presentment software instruction stored inmemory area 420 c. - Referring now to
FIG. 2B , anexemplary payor station 120 capable of receiving e-mail messages will now be described.Station 120 includes apayor processor 450 which is interconnected to amemory device 470. The memory stores the payor client software inarea 470 a and the network software inarea 470 b of thememory 470. It will however be recognized that, if desired, thememory 470 could be eliminated in and that storage of the payor client software could be implemented on thememory 420 of theCF station 140. A network interface (NI) 455 interconnects thepayor station 120 to thenetwork 100. Messages transmitted by theCF station 140 to thepayor station 120 are received via thenetwork interface 455 and processed by theprocessor 450 in accordance with the network software stored inarea 470 b ofmemory 470. - In a customary e-mail notification processing sequence, the
processor 450, in accordance with the network software instructions stored inmemory area 470 b, directs the presentation of an indicator on thedisplay 460 of thepayor station 120 to notify the applicable payor that an e-mail message has been received. Using theinput device 465, which may be a keyboard, mouse or other input device, the applicable payor can access the e-mail message and request the available billing related information from theCF station 140. - The notification mechanism may alternatively be implemented directly in the bill presentment client rather than via e-mail. Those of ordinary skill in the art will recognize that there may be many possible implementations of a notification mechanism. The payor may request the available billing related information by, for example, inputting one or more commands on the
input device 465. Responsive to these commands, theprocessor 450 generates and directs the transmission of the request, via thenetwork interface 455, to theCF station 140. The generated request could, for example, take the form of a reply e-mail message, an instruction to access a web page at theCF station 140 if the network is the Internet or some other instruction as will be well understood by those skilled in the art. If desired, the e-mail message could include an icon or other indicator which can be activated using theinput device 465 to automatically link thepayor station 120 to theCF station 140 to access bill related information. - Referring again to
FIGS. 2 and 2A , theprocessor 410 of theCF station 140, in response to the request received from thepayor station 120 a-120 d, directs the transmission of the requested bill presentment information, via thenetwork interface 405, to theapplicable payor station 120 a-120 d. The transmitted bill presentment information may need to be generated by theprocessor 410 responsive to the payor request or may be already stored in thememory 420. For example, theprocessor 410 may either retrieve the applicable template(s) and normalized billing information frommemory areas area 420 e ofmemory 420 if only bill summary information is requested. It should be noted that by storing unmerged templates and normalized data and merging this information only responsive to request for detailed information, the required memory to store detailed bill presentment information can be significantly reduced. It should be understood that, in many cases, the payor will required only summary bill presentment information, and thus on-line processing to merge the templates and normalized billing information will not, in many cases, be required. However, preferably, detailed bill presentment information dynamically generated by merging template and normalized data may be cached to support re-retrieval requests responsively. - Referring again to
FIG. 2B , thepayor station 120 a-120 d receives, vianetwork interface 455 ofpayor station 120, the bill presentment information transmitted by theCF station 140 over thenetwork 100. Thepayor processor 450 processes the received information in accordance with the payor client software stored inmemory area 470 a and directs the presentation of the received bill presentment information on thedisplay 460 of thepayor station 120. - As discussed above referring to
FIG. 2 , theCF station 140 is linked via thenetwork 100 to various financial institution stations 130 a-130 c which represent financial institutions with whom checking accounts are maintained by one or more of the payors represented bystations 120 a-120 d and/or deposit accounts are maintained by one of more of the billers represented by stations 110 a-110 d. A payor, having received bill presentment information, can now request that payment of one or more bills be made to the appropriate biller(s) represented by station(s) 110 a-110 d. - In this regard referring again to
FIG. 2B , thepayor processor 450 generates, in accordance with the client software residing inmemory area 470 a, a payment instruction and an instruction directing the transmission of the instruction, via thenetwork interface 455, over thenetwork 100 to theCF station 140. Referring again toFIG. 2A , the payment instruction is received and processed by theprocessor 410 ofCF station 140. Theprocessor 410, responsive to the received payment instruction and in accordance with the bill payment software stored inmemory area 420 c, directs the payment of the applicable bills either by electronic funds transfer or by hardcopy check. - If the payment will be made by electronic funds transfer, the
CF processor 410 generates an electronic funds transfer instruction to electronically transfer the appropriate amount from the applicable payor's checking account maintained at one of the financial institutions represented by stations 130 a-130 c to the appropriate biller's deposit account maintained at one of the financial institutions represented by stations 130 a-130 c. Theprocessor 410 also generates an instruction to transmit the electronic funds transfer instruction, via thenetwork interface 405, over thenetwork 100 to the applicable payor financial institution station 130 a-130 c and/or an originating financial institution and or originating financial institution to the Automated Clearing House (ACH) network or similar financial network for funds transfer. - The
processor 410 also generates, in accordance with the bill payment software instructions stored inmemory area 420 c, a message indicating the amount of payment remitted and the associated payor account number, along with an instruction to transmit the message, via thenetwork interface 405, over thenetwork 100 to the appropriate biller station 110 a-110 d. This remittance advice information may flow directly to the biller station 110 a-110 d or be routed with the payment through the biller's financial institution 130 a-130 c, which would deliver the information to the biller station. It should be recognized that the biller station to which the payment notice is transmitted may be different than the biller station from which the billing information is transmitted. - If the payment will be made by hardcopy check, the
CF processor 410 generates an instruction to print a hardcopy check for the appropriate amount against funds inCF station 140's checking account. The applicable payor's checking account maintained at one of the financial institutions represented by stations 130 a-130 c is debited appropriately via ACH (resulting in electronic funds transfer to the CF station account) or via some form of “good funds” debiting through a direct electronic connection to the financial institution (resulting in electronic or wire funds transfer to the CF station account). The check may be a “single check” remitting only a single payor's payment to a particular biller, or a “check and list”, combining the remittance from multiple payors to a particular biller. Alternatively, the - CF processor may generate an instruction to print a hardcopy check for the appropriate amount against funds in the applicable payor's checking account maintained at one of the financial institutions represented by stations 130 a-130 c. The
processor 410 also generates, in accordance with the bill payment software instructions stored inmemory area 420 c, a message indicating the amount of the payment(s) remitted and the associated payor account(s). The printed message and check are then mailed to the applicable biller remittance center. It should be recognized that the location to which the payment notice is sent may be different than the location of the biller station from which the billing information is transmitted. - Referring again to
FIG. 2 , rather than having all operations performed by theCF station 140, certain operations can be performed directly by other network stations and certain information can be transmitted directly between thepayor stations 120 a-120 d, the biller stations 110 a-110 d and the financial institution stations 130 a-130 c. It may, in some instances, be preferred to have theCF station 140 linked to thepayor stations 120 a-120 d and biller stations 110 a-110 d via the financial institution stations 130 a-130 c. - For example, it may be desirable in some cases for the biller stations 110 a-110 d to communicate some or all bill related information via the
network 100 directly to thepayor stations 120 a-120 d while the notices of the availability are generated and transmitted by theCF station 140 directly to the appropriate payor stations. This facilitates biller control over bill related information which could be stored exclusively on a memory device at the appropriate biller station. In other cases, it may be advantageous for all payment instructions to be transmitted directly from thepayor stations 120 a-120 d to an appropriate financial institution station 130 a-130 c. In such cases, there could be a preference to have the payment instruction processed by theCF station 140 or at the financial institution station 130 a-130 c. In still other cases, it may be beneficial for all communications to be transmitted through the financial institution station 130 a-130 c but all processing to be performed by theCF station 140. - As indicated above, if desired, all or part of the billing information may be retained at the biller stations 110 a-110 d. For example, it may be desired that detailed bill presentment information be retained at the biller stations 110 a-110 d while summary bill presentment information be stored and provided by the
CF station 140. Although billing information may be maintained by the biller stations 110 a-110 d, the request for such information may be directed through theCF station 140 to the appropriate biller 110 a-110 d in order to provide a third party audit trail or meet other desired objectives. - Referring again to
FIGS. 2 and 2A , theCF processor 410, in accordance with the bill presentment software stored inarea 420 c of thememory 420, preferably tracks and stores information relating to requests or transmissions of bill presentation information to payors after the notice of availability. TheCF processor 410 also preferably receives, stores and tracks a signal from thepayor stations 120 a-120 d relating to when a notice of availability bills has been viewed by the applicable payor. In this way, theprocessor 410, in accordance with the bill presentation software instructions, may transmit a reminder notice of the availability of bills, for example, if no request to view the bills has been received for some period of time after the payor has viewed the notice or if bills represented in previously requested bill presentment remain due and unpaid after some period of time. It may be desirable to send reminder notifications one or more times at fixed intervals, e.g., weekly, after the initial viewing of the notice of availability or the initial request for bill presentment information. A reminder notice could alternatively or additionally be sent just prior to the bill due date as a final reminder to the payor before late payment or interest charges will accrue. - Turning now to
FIGS. 4-6 , the payor enrollment process performed by theCF processor 410, in accordance with the bill presentment and bill payment software instructions stored inmemory area 420 c, will be described. Upon request by an existing or potential payor represented by apayor station 120 a-120 d, enrollment interface information is electronically transmitted via thenetwork 100 from theCF station 140 to theapplicable station 120 a-120 d. The information is provided so as to be capable of processing by thepayor processor 450 and presented in one or more screens on adisplay 460 of thepayor station 120. It will of course be recognized that, although the enrollment process is described with reference to a payor station of the type shown inFIG. 2B , the process could be easily implemented with other types of payor stations. - The
initial enrollment screen 550, as shown inFIG. 4 , includes a listing inblock 560 of billers from whom bills can be received electronically. Anindicator 565 indicates those billers whose bills can be received electronically and who can also be paid electronically as previously described. The payor using theinput device 465 of thepayor station 120 can select any or all of the billers identified in the listing inblock 560 for electronic bill presentation and/or electronic payment, if applicable. The account number for the payor's account with each selected biller is inserted inblock 562 using thepayor input device 465. The payor is also given the option, inblock 570, of identifying other billers not included in the listing inblock 560. Since all billers from whom electronic bills are available are listed inblock 560, block 570 is reserved for those billers, for example, the paper boy, babysitter, lawn boy, etc., to whom the payor desires to make payments electronically through theCF station 140 based upon hardcopy bills received directly from the biller. -
FIG. 5 depictsfurther enrollment screen 500 transmitted by theCF station 140 to thepayor station 120 a-120 d during the enrollment process. This screen is also presentable on thedisplay 460 of thepayor station 120. This screen facilitates the gathering of payor data which is necessary or desirable for the processing of bills. Using theinput device 465 of thepayor station 120, the payor enters his/her first name, middle initial, and last name inblock 510 of thescreen 500. The payor is also requested to enter his/her social security number inblock 520 and mother's maiden name inblock 525. The maiden name of the payor's mother is requested for subsequent verification purposes. The payor's address is also requested to be entered inblock 530. In blocks 540, both home and office telephone numbers are requested. - It should be noted that although the payor's account numbers for those billers selected from the listing in
block 560 ofFIG. 4 are requested, in certain implementation it may be preferable to obtain the account numbers from the billers as part of the information to be forwarded to theCF station 140 by the applicable billers selected inblock 560 ofFIG. 4 . By eliminating the need for potential payors to provide an account number, the enrollment process can be simplified somewhat from the enrollee's prospective. However, it should be noted that in most cases it will be beneficial to request that the payor enter an account number for each selected biller. - Turning now to
FIG. 6 , anotherscreen 600, transmitted from theCF station 140 to thepayor station 120 during the enrollment process, depicts an exemplary portion of a conventional personal check inblock 610. Within this block, the areas of the check having the routing and transit number (RTN) and the account number are indicated. The RTN and account number for the applicable payor's checking account with the applicable financial institution 130 a-130 c are entered inblock 620. Additionally, inblock 630, log on information is entered in the form of a user name and password to complete the enrollment process. - Upon enrollment, the billers from whom electronic bills have been requested and the financial institutions from whom checking account withdrawals have been authorized are notified, supplied information is verified and additional information is requested.
-
FIG. 7 provides a simplified flow diagram which summarizes operations of theCF station 140 during bill processing. It should be noted that the operations are described with theCF station 140 serving a centralized role within the bill processing network ofFIGS. 1 and 2 . Those skilled in the art will understand that the described operations could be performed as appropriate by stations other than theCF station 140 within the network shown inFIGS. 1 and 2 , as has been previously described above. - As indicated in
step 705, theCF station 140 receives billing information from thebiller stations 100 a-110 d via thenetwork 100. The received billing information is normalized, summarized and stored insteps CF station 140. Instep 720, the payor is notified of the availability of bills by message transmitted from theCF station 140 to thepayor station 120 a-120 d vianetwork 100. Instep 725, theCF station 140 receives a request for bill presentation information from theapplicable payor station 120 a-120 d. The bill presentment information is transmitted over the network by theCF station 140 to theapplicable payor station 120 a-120 d instep 730, responsive to the request. The bill presentment information may include only a summary of bills or one or more detailed bills formed by templating the normalized data before transmission. If desired the transmitted bill presentment information could include both summary and detailed bills. - In
step 740, theCF station 140 determines if bill payment instructions have been received for those bills represented by the previously transmitted bill presentation information. This determination may, for example, be made at some predefined period after the receipt of a request for or transmission of the bill presentation information. If not, the payor is again notified of the bill availability instep 720. - Optionally, the
payor station 120 a-120 d may be configured to transmit a notice to theCF station 140, responsive to the viewing of the notice of availability by the applicable payor. Instep 735, theCF station 140 determines if a request to receive bill presentment information has been received for those bills represented by the previously transmitted notice of availability. This determination may, for example, be made at some predefined period after the initial viewing of the notice of availability of bill presentation information. If not, the payor is again notified of the bill availability instep 720. If a request has been received, the process continues atstep 730. - If the determinations in
step 740 is positive, instep 755, theCF station 140 determines if, in accordance with the payment instruction, the bill is to be paid by electronic funds transfer. If yes,CF station 140 transmits, via thenetwork 100, an electronic funds transfer instruction to the payor's deposit account at one of the applicable financial institution represented by stations 130 a-130 c instep 760. TheCF station 140 also transmits, vianetwork 100, a notice to the applicable biller station of the payment instep 765. If payment is to be made by check, theCF station 140 generates a hardcopy check with the appropriate account information and directs the mailing of same to the biller instep 770. - Referring now to
FIGS. 8-15 , the payor, at his/her own prerogative, can access the bill presentment information at theCF station 140 via thenetwork 100 at any time. For example, this contact may be initiated by using apayor station 120 a-120 d to contact theCF station 140 at a Web site on the Internet. - Upon initiating contact with the
CF station 140, the payor is welcomed, as shown inFIG. 8 , by ascreen 800 transmitted by theCF station 140 to thepayor station 120 a-120 d for presentment on thepayor station display 460. Thescreen 800 includes notification of bills inblock 810 and of messages inblock 820 which have not been previously transmitted to the payor. In this particular instance, no new bills or messages are indicated. If new bills and/or messages are available, the payor can, using the payorstation input device 465, click onindicator 810 a to access the new bills and indicator 820 a to access the new messages. - From
screen 800, the payor can also access either bill presentment information related to previously transmitted billing information, including information relating to unpaid bills or paid bills, as well as information relating to previously accessed messages by clicking onindicator 830 a to receive the unpaid bills,indicator 840 a to access bill presentment information related to paid bills, andindicator 850 a to access other messages. The payor can also select categories as indicated inblock 870 by clicking onindicator 870 a. Responsive to clicking onindicator 870 a, theCF station 140 will transmit a screen which will be described below and allows the payor to categorize billers in any desired manner. - The payor can also contact customer care by inserting a topic of interest in
block 860 and clicking on theindicator 860 a. Alternatively, block 860 may offer a pulldown list of selectable topics, similar to block 560 inFIG. 4 . In such a scenario, the payor would select one of the topics prior to clicking onindicator 860 a. By clicking on theindicator 860 a, a message is sent from thepayor station 120 a-120 d to the appropriate customer care station. The customer care station may be theCF station 140 for all topics, or could alternatively be theCF station 140 for certain topics, the appropriate financial institution station 130 a-130 c for other topics and/or the appropriate biller station 110 a-110 d for still other topics. - For example, if the inquiry topic relates to the accounting of certain funds transfer from the payor's checking account, the customer care request can be directed to the appropriate financial institution station 130 a-130 c. If the indicated topic relates to a particular merchant billing, the customer care request can be directed to the appropriate merchant station 110 a-110 d. 110 d. If the inquiry is of a more general nature, the customer care request can be directed to the
CF station 140. - The customer case messaging option shown in
FIG. 8 and described here may be beneficially provided on some or all screens presented on thepayor station 120 a-120 d. - It will be understood by those skilled in the art that, if the
CF station 140 serves as a centralized gateway for all communications, all customer care requests could be directed to theCF station 140 and it may be unnecessary for the payor to indicate a topic of interest inblock 860. Likewise, if all pertinent information is available at theCF station 140 then all customer care inquiries could also be directed to and disposed of by customer care represented by theCF station 140 rather than being forwarded on to a financial institution station 130 a-130 c or biller station 110 a-110 d for response. - Referring now to
FIG. 9A , as noted above, if new bills are available, a summary of these bills can be accessed by clicking onindicator 810 a. Similarly, if new messages are available, these messages can be accessed by clicking on indicator 820 a. By clicking onindicator 810 a when new bills are indicated, ascreen 900, as shown inFIG. 9A , is transmitted from theCF station 140, via thenetwork 100, to thepayor station 120 a-120 d, processed bypayor processor 450 and presented on thepayor display 460. Thescreen 900 includesbill presentment information 910 which summarizes the new bills which have been received since the payor last requested bill presentment information related to unpaid bills. The summary information includes the biller name, amount of the new bill and the due date for payment of the bill. - As indicated in
FIG. 9A , the applicable biller logo may be displayed as part of the presentation. The payor is given the option of clicking on apay indicator 910 a, amark indicator 910 b, or adelete indicator 910 c, associated with each summarized billing. By clicking on the pay indicator using thepayor input device 465, a signal is transmitted to theCF station 140 to direct payment of a particular billed amount on the due date. By clicking onindicator 910 c, the displayed bill presentation information relating to a particular biller is deleted. By clicking onindicator 910 b, the bill summary information relating to one or more particular bills is marked and by then clicking onindicator 915 the detailed bill presentment information relating to these particular bills can be retrieved from theCF station 140. The payor also has the option, using thepayor input device 465, of clicking onblock 920 to access a summary of all unpaid bills from theCF station 140. The unpaid bill summary will be substantially in the form ofbill summary 910, but will include a summary listing of all unpaid bills rather than just listing new unpaid bills. -
FIG. 9B depictsscreen 930 which can be transmitted from theCF station 140 to present summary bill related information at thepayor station 120 a-12 d in a categorized manner. As shown, by clicking onindicator 935, categories of billers are changed inblock 940. For example, inscreen 930 the category has been set to unpaid bills and accordingly, a summary of all unpaid bills appears on thepayor display 460. Other categories could be, for example, utility bills, paid bills, questioned bills, credit card bills or any other category which may be desirable under the particular circumstances. Inscreen 930, one or more of the check blocks 945 can be clicked on along with thepay bill indicator 950 to direct a communication from thepayor station 120 a-120 d to theCF station 140 instructing particular bills which are summarized inscreen 930 should be paid on the due date.Indicator 955 allows the check blocks 945 to be reset in the event that a block is inadvertently checked. -
FIG. 9C depicts still anotherscreen 960 which can be transmitted from theCF station 140 to theappropriate payor station 120 a-120 d for presentation on thepayor display 460. As shown, the listing contains a current bill summary withpayee names 965, total bill amounts 970, minimum payment amounts due 975, paymentdue dates 980 andbill status 985.Indicators 990 indicate that a pre-bill payment authorization has been made with respect to particular bills. Such authorizations will be described below. The status may, for example, be indicated as unpaid, as being processed if payment has been previously directed by the payor, or as on hold if the bill has been previously questioned by the payor. - As indicated in
block 992, the payor can direct that all bills summarized in the bill summary ofFIG. 9C be paid by clicking on theindicator 992 a. Clicking onindicator 992 a will result in thepayor processor 450 directing a communication to theCF station 140 to pay all of the listed bills by the due date. Alternatively, as indicated inblock 994, the payor can click on theindicator 994 a to direct payment of the minimum amount due on all listed bills be paid by the payment due date. To the extent that the payment of bills have been preauthorized by the payor, clicking onindicator -
Block 996 identifies the category of billers with respect to whom bill related information is summarized inscreen 960. Anindicator arrow 996 a can be clicked on to scroll through various categories of billers to change the information summarized onscreen 960, as has been previously described with reference toFIG. 9B . Additionally, dates can be inserted inblock 998 to limit or extend the amount of bill summary information which is displayed. Thearrow indicator 998 a can be used to change the “TO” date. - By clicking on one or
more indicators 965 a and the retrieveindicator 999, detailed bill presentment information relating to particular bill summary items can be accessed from the CF station. By clicking on one or more of theindicators 970 a and thepay indicator 997, an instruction to pay the total billed amount associated with particular bills will be communicated to theCF station 140. By clicking on one or more of theindicators 975 a and thepay indicator 997, an instruction will issue to theCF station 140. to make payment of the minimum amount due on particular bills. - Turning now to
FIG. 10A , a pre-billpayment authorization screen 1000 is shown. The screen is transmitted from theCF station 140 to theappropriate payor station 120 a-120 d for presentation on thepayor station display 460. The pre-billpayment authorization screen 1000 allows the payor to identify billers incolumn 1005 whose bills are pre-authorized by the payor for payment by theCF station 140. More particularly, the payor can designate in column 1010 a fixed payment amount, a maximum payment amount or an instruction to pay the total amount due or minimum amount due for any named biller. Further, the payor can specify, if so desired, incolumn 1015, a frequency at which such payments are authorized. - As shown in
FIG. 10A , the payor can also authorize payment of the total amount billed for all billers identified by an asterisk 415 inFIG. 4 by filling in a period of authorization inblock 1020 and clicking on indicator 1020 a. Similarly, if the payor wishes to pre-authorize payments of the minimum amount due on all bills, the period of authorization can be inserted inblock 1025 andindicator 1025 a can be clicked on. As indicated byblock 1030, anindicator 1030 a can be clicked on to direct that notification of and bill presentment information associated with bills for which payment is pre-authorized not be forwarded to the payor. The payor also has the option, as indicated byblock 1035, of clicking onindicator 1035 a to receive notices and presentations of bill presentment information associated with the bills which have been pre-authorized for payment by theCF station 140. -
FIG. 10B depicts analternative screen 1050 which may be utilized in setting up pre-bill payment authorization.Screen 1050 is transmitted from theCF station 140 to theapplicable payor station 120 a-120 d. Billers identified inblock 1060 and associated account numbers identified inblock 1065 can be changed by clicking onindicator 1055. Alternatively, the payor can enter a biller name inblock 1060 and the payor's account number with the particular biller payments will appear automatically inblock 1065. By clicking onindicator 1070, the payor can direct theCF station 140 not to transmit notices and presentations of bill presentment information relating to the particular biller indicated. By clickingdesignator 1075, the payor can direct theCF station 140 to continue to transmit notices and bill presentment information regarding unpaid bills of the identified biller. By clicking onindicator 1080 after entering an amount inblock 1085, the payor can pre-authorize theCF station 140 to pay bills of the indicated biller up to the maximum amount indicated without further authorization. - As indicated above, the
payor station 120 a-120 d can also access the detailed bill related information stored at theCF station 140. As shown inFIG. 11 , detailed bill presentment information, identified with referenced numeral 1110, is transmitted asscreen 1100 by theCF station 140 responsive to a request for such information from thepayor station 120 a-120 d. By clicking onindicator 1120, thepayor station 120 a-120 d will issue an instruction directing the payment of the bill through theCF station 140. The bill can also be deleted from the screen by clicking onindicator 1125. - Responsive to clicking on
indicator 1120 atpayor station 120 a-120 d, ascreen 1200, as shown inFIG. 12 a, is transmitted by theCF station 140. Thescreen 1200 includes acheck 1205 which can be presented by thepayor processsor 450 on thedisplay 460 at thepayor station 120 a-120 d. Thecheck 1205, as shown, resembles a conventional hardcopy personal check. The name of the applicable biller automatically appears in theblock 1210. An appropriate payment date automatically appears inblock 1215. It should be noted that the indicated payment date may pre-date the payment due date included on the bill presentment information ofFIG. 11 to reflect when the payment must be made to ensure timely arrival and avoidance of late charges. The lead time may vary depending on the remittance method (hardcopy check or various forms of electronic funds transfer). The total bill amount is also automatically indicated inblock 1220. - The payor can modify the date and amount of the payment if so desired. As an option, the payor can also indicate in
block 1225 that the amount shown should be paid to the biller more than once, for example, monthly or semi-annually. This feature will typically be most useful where a fixed payment amount is payable on a fixed periodic basis to the applicable biller. The payor then clicks on thepay bill indicator 1230 to direct transmission of an instruction from thepayor station 120 a-120 d to the CF station to make payment to the designated payee, i.e., biller, in the designated amount on the designated date. -
FIG. 12B depicts an alternativebill payment screen 1250.Screen 1250 includes acheck 1255 which is similar to check 1205 ofFIG. 12A , but which can be used in connection with the payment of individual bills from a bill summary screen such as those previously described with reference toFIGS. 9A-9A . More particularly, responsive to the pay indicator, in the bill summaries shown inFIGS. 9A-9C , being clicked on at thepayor station 120 a-120 d, theCF station 140 transmitsscreen 1250 to the payee station. Thecheck 1255 includesblock 1260 in which an individual biller's name can be inserted by scrolling through billers names appearing on the bill summary using thearrow indicator 1260 a The bill due date or a date which allows time for hardcopy mailing of a check to the biller automatically appears in thedate block 1265 for the listed bill of the selected biller. - In the
screen 1250, theblock 1270 must be filled in by the payor to indicate the desired payment amount.Block 1275 can be scrolled by clicking on thearrow indicator 1275 a to select the period of payment as has been previously discussed with reference to block 1225 inFIG. 12A .FIG. 12C further details screen 1250 to show thatblock 1275 can be expanded to provide multiple options with respect to the payment period for selection by the payor. - Once the
check 1255 has been appropriately filled out the payor can then click on thepay bill indicator 1280 to transmit an instruction from thepayor station 120 a-120 d directing theCF station 140 to pay the selected biller in accordance with information contained in the filledcheck 1255. If, on the other hand, changes in the check information are required, the payor can click onindicator 1285 to resetcheck 1255 and restart the process of selecting a biller for payment and filling in the amount of the payment to be made. - Referring to
FIG. 13 , ascreen 1300, having apayment list 1305 including those bills which have been paid or on which instructions for payment have been received, is generated by theCF station 140. Responsive to a request from the payor, thescreen 1300 is transmitted via thenetwork 100 to theappropriate payor station 120 a-120 d. Thescreen 1300 is presentable on thepayor display 460. The screen includes a listing of billers incolumn 1310 and a listing of the date on which payment has or will be made incolumn 1315. The amount of the authorized payment is listed incolumn 1320 along with the period at which such payment is authorized incolumn 1325. A payment confirmation number is referenced incolumn 1330. This number can be used to identify the particular transmission or payment of interest should the payor wish to make any inquiries to customer care regarding the payment. Incolumn 1335, the status of the payment is indicated. For example, as indicated, the status may be that payment has been processed or may be pending awaiting a due date of payment. Incolumn 1340, the payor is provided with various options depending upon the status of the payment. For example, where payment is pending, the payment authorization can be stopped or edited. In those cases where payment has been made, the payor can make inquiries relating to those payments. -
FIG. 14 depicts ascreen 1400 which, responsive to a request from a payor, is transmitted by theCF processor 140 to thepayor station 120 a-120 d.Screen 1400 allows the payor to establish certain categories of billers, as has been previously discussed. For example, the biller may, inblock 1405, establish categories for utilities, credit card companies, school, tennis related activities and any other categories as may be desired by an individual payor. By clicking on thereset indicator 1410, the payor can modify the listed categories. The selected categories and any changes to the category listings are saved by clicking onindicator 1415. -
FIG. 15 depicts a particularlybeneficial screen 1500 for bill presentment and payment. As shown, theCF processor 140 transmits for presentation on thepayor station display 460, a screen having an area 1505, which includes biller-specific bill presentment information, including the biller name, biller address and payor account number with the biller inblock 1510. The area 1505 also includes ablock 1515 having the biller invoice number and invoice date to the extent applicable. Ablock 1520 presents information which includes the purchase dates, product/service descriptions and the associated billed amounts, along with the total amount due and minimum payment due. Ablock 1525 indicates the payment due date. - In
section 1530 ofscreen 1500, acheck 1535 is shown which includes information similar to that ofcheck 1205 which is described above with reference toFIG. 12A , with the exception that thecheck 1535 includes an invoice number inblock 1540 and a click on indicator for approving the payment inblock 1545. As inFIG. 12A , the payment due date and the total payment amount can be modified. Anarea 1550 of thescreen 1500, has indicators which can be clicked on to access other information. As shown,indicator 1555 a can be clicked on to access other terms and conditions as indicated inblock 1555, andindicator 1560 a can be clicked on to access advertisements which the biller wishes to include with the bill presentment as indicated inblock 1560. - An
indicator 1565 a can be clicked on to access customer care as indicated inblock 1565. The customer care access can, if desired, be similar to that described with reference toFIG. 8 . Any customer care inquiry will automatically reference the particular account number referred to in area 1505 of thescreen 1500, and may also reference the invoice number referred to in area 1505. By clicking onindicator 1570 a, the payor can determine if payment has already been made as indicated byblock 1570. If payment has been made, by clicking onindicator 1570 a a canceled check stamp will appear on thecheck 1535 to indicate that the check has been cashed. - Accordingly, utilizing the
screen 1500, a payor can access all information on a single screen necessary to review detailed bill presentment information relating to any particular bill, make payment of that bill in a desired amount and access other information, such as terms and conditions and advertisements, which would normally be included in a hardcopy mailing of bill. The payor can also determine that payment of the bill has in fact been received by the applicable biller. Should the biller have questions regarding the bill or payment, by simply clicking onindicator 1565 a, customer care can be accessed. - It will also be recognized by those skilled in the art that, while the invention has been described above in terms of one or more preferred embodiments, it is not limited thereto. Various features and aspects of the above described invention may be used individually or jointly. Further, although the invention has been described in the context of its implementation in a particular environment and for particular purposes, those skilled in the art will recognize that its usefulness is not limited thereto and that the present invention can be beneficially utilized in any number of environments and implementations. Accordingly, the claims set forth below should be construed in view of the full breath and spirit of the invention as disclosed herein.
Claims (61)
1. A method comprising:
receiving, from a network station associated with a biller by a bill presentment system comprising one or more computers, billing information for a payor;
transmitting, by the bill presentment system in accordance with an email protocol, a notice indicating availability via the bill presentment system of bill presentment information associated with the received billing information, the notice comprising a hyperlink enabling access to the bill presentment information via a second protocol other than the email protocol;
receiving, by the bill presentment system via the second protocol and subsequent to transmitting the notice, a request for the bill presentment information, wherein the request is received responsive to a selection of the hyperlink;
generating, by the bill presentment system based on at least a portion of the billing information, at least a portion of the bill presentment information; and
transmitting, by the bill presentment system and responsive to receiving the request, the generated at least a portion of the bill presentment information.
2. The method of claim 1 , wherein the biller is a first biller, and wherein receiving billing information for a payor comprises receiving billing information associated with a plurality of billers including the first biller.
3. The method of claim 2 , wherein the bill presentment information comprises bill presentment information associated with at least two of the plurality of billers, including the first biller.
4. The method of claim 1 , wherein transmitting a notice comprises transmitting a notice in response to receiving the billing information.
5. The method of claim 1 , wherein transmitting a notice comprises transmitting a notice for presentation to the payor.
6. The method of claim 1 , wherein transmitting a notice comprises transmitting a notice to an email address associated with the payor.
7. The method of claim 1 , further comprising:
receiving, by the bill presentment system on behalf of the payor, an indication of the payor's desire to activate electronic billing from the biller; and
transmitting, by the bill presentment system to the biller, a notice to activate electronic billing for the payor,
wherein receiving billing information comprises receiving billing information subsequent to transmitting the notice to activate electronic billing.
8. The method of claim 7 , further comprising:
receiving, by the bill presentment system on behalf of the payor, at least one of (i) a biller account number of the payor for the biller or (ii) payor data associated with the payor.
9. The method of claim 8 , wherein the payor data comprises one or more of (i) a name, (ii) a social security number, (iii) a mother's maiden name, (iv) an address, (v) a telephone number, (vi) a payment account identification, (vii) a user name, or (viii) a password.
10. The method of claim 9 , wherein the payment account identification comprises (i) a financial institution routing number and (ii) a financial institution account number.
11. The method of claim 7 , wherein the biller is a first biller, and further comprising:
receiving, by the bill presentment system on behalf of the payor, an indication of a second biller that the payor desires to pay through the bill presentment system.
12. The method of claim 11 , further comprising:
determining, by the bill presentment system, that electronic billing is not available for the second biller.
13. The method of claim 12 , further comprising:
receiving, by the bill presentment system on behalf of the payor, one or more of (i) a biller name associated with the second biller, (ii) a biller address associated with the second biller, or (iii) a biller account number of the payor for the second biller.
14. The method of claim 1 , wherein generating at least a portion of the bill presentment information comprises generating at least a portion of the bill presentment information either (i) before receiving the request or (ii) after receiving the request.
15. The method of claim 1 , wherein generating at least a portion of the bill presentment information comprises generating at least one of (i) bill summary information, (ii) bill detail information, (iii) or a list of bills having a common status.
16. The method of claim 1 , further comprising:
normalizing, by the bill presentment system, the at least a portion of the received billing information.
17. The method of claim 16 , wherein generating at least a portion of the bill presentment information comprises generating bill detail information based at least in part upon templating the normalized information.
18. The method of claim 1 , further comprising:
receiving, by the bill presentment system on behalf of the payor, a request to pay a bill of the biller represented by the bill presentment information; and
directing, by the bill presentment system, payment in accordance with the received request to pay the bill.
19. The method of claim 18 , wherein receiving a request to pay comprises receiving a request to a pay a plurality of bills including the bill of the biller.
20. The method of claim 18 , wherein directing payment comprises one or more of (i) transmitting an electronic funds transfer instruction or (ii) directing the mailing of a paper instrument.
21. The method of claim 18 , wherein receiving a request to pay comprises receiving a request associated with a payment date, the payment date either (i) generated by the bill presentment system based on a due date associated with the bill or (ii) specified by the payor.
22. The method of claim 18 , wherein the bill presentment system generates the payment date to pre-date the due date and indicate when payment must be made to ensure timely arrival.
23. The method of claim 18 , wherein receiving a request to pay comprises receiving a request associated with a payment amount, the payment amount either (i) generated by the bill presentment system based on an amount due associated with the bill or (ii) specified by the payor.
24. The method of claim 18 , further comprising:
transmitting, by the bill presentment system for presentation to a payor, a status associated with the request to pay.
25. The method of claim 24 , further comprising:
transmitting, by the bill presentment system for presentation to a payor, a selectable action associated with the status.
26. The method of claim 1 , wherein the biller is a first biller, and further comprising:
receiving, by the bill presentment system, an authorization to automatically pay bills of a second biller on behalf of the payor.
27. The method of claim 26 , wherein receiving an authorization comprises receiving one or more rules associated with automatic payment of the bills of the second biller.
28. The method of claim 27 , wherein the one or more rules specify at least one of (i) a fixed payment amount, (ii) a frequency of payment, (iii) an instruction to pay a total amount due, (iv) an instruction to pay a minimum amount due, or (v) a maximum payment amount.
29. The method of claim 26 , wherein receiving an authorization comprises receiving one or more rules associated with notification or presentment of bills of the second biller.
30. The method of claim 29 , wherein the one or more rules comprise at least one of (i) an instruction to transmit notices and bill presentment information associated with the bills of the second biller or (ii) an instruction to not transmit notices and bill presentment information associated with the bills of the second biller.
31. A system comprising:
at least one communications interface configured to (i) receive, from a network station associated with a biller, billing information for a payor, (ii) transmit, in accordance with an email protocol, a notice indicating availability of bill presentment information associated with the received billing information, the notice comprising a hyperlink enabling access to the bill presentment information via a second protocol other than the email protocol, (iii) receive, via the second protocol and subsequent to transmitting the notice, a request for the bill presentment information, wherein the request is received responsive to a selection of the hyperlink, and (iv) transmit at least a portion of the bill presentment information; and
at least one processor configured to (i) direct transmission of the notice, (ii) receive the request for the bill presentment information, (iii) generate, based on at least a portion of the received billing information either before or after receipt of the request, the at least a portion of the bill presentment information, and (v) direct, responsive to receiving the request, transmission of the at least a portion of the bill presentment information.
32. A method comprising:
receiving, from a network station associated with a biller by a bill presentment system comprising one or more computers, billing information for a payor;
transmitting, by the bill presentment system in accordance with a first protocol, a notice indicating availability via the bill presentment system of bill presentment information associated with the received billing information, the notice comprising a hyperlink enabling access to the bill presentment information via a second protocol other than the first protocol;
receiving, by the bill presentment system via the second protocol and subsequent to transmitting the notice, a request for the bill presentment information, wherein the request is received responsive to a selection of the hyperlink;
generating, by the bill presentment system based on at least a portion of the billing information, at least a portion of the bill presentment information; and
transmitting, by the bill presentment system and responsive to receiving the request, the generated at least a portion of the bill presentment information.
33. The system of claim 31 , wherein the biller is a first biller, and wherein the at least one communications interface is configured to receive billing information associated with a plurality of billers including the first biller.
34. The system of claim 33 , wherein the bill presentment information comprises bill presentment information associated with at least two of the plurality of billers, including the first biller.
35. The system of claim 31 , wherein the at least one communications interface is configured to transmit the notice responsive to receipt of the billing information.
36. The system of claim 31 , wherein the at least one communications interface is configured to transmit the notice for presentation to the payor.
37. The system of claim 31 , wherein the at least one communications interface is configured to transmit the notice to an email address associated with the payor.
38. The system of claim 31 , wherein the at least one communications interface is further configured to:
receive, on behalf of the payor, an indication of the payor's desire to activate electronic billing from the biller; and
transmit a notice to activate electronic billing for the payor,
wherein the at least one communications interface is further configured to receive the billing information subsequent to transmission of the notice to activate electronic billing.
39. The system of claim 38 , wherein the at least one communications interface is further configured to:
receive, on behalf of the payor, at least one of (i) a biller account number of the payor for the biller or (ii) payor data associated with the payor.
40. The system of claim 39 , wherein the payor data comprises one or more of (i) a name, (ii) a social security number, (iii) a mother's maiden name, (iv) an address, (v) a telephone number, (vi) a payment account identification, (vii) a user name, or (viii) a password.
41. The system of claim 40 , wherein the payment account identification comprises (i) a financial institution routing number and (ii) a financial institution account number.
42. The system of claim 38 , wherein the biller is a first biller, and wherein the at least one communications interface is configured to receive, on behalf of the payor, an indication of a second biller that the payor desires to pay through the system.
43. The system of claim 42 , wherein the at least one processor is further configured to determine that electronic billing is not available for the second biller.
44. The system of claim 43 , wherein the at least one communications interface is further configured to receive, on behalf of the payor, one or more of (i) a biller name associated with the second biller, (ii) a biller address associated with the second biller, or (iii) a biller account number of the payor for the second biller.
45. The system of claim 31 , wherein the at least one processor is further configured to generate the at least a portion of the bill presentment information either (i) prior to receipt of the request or (ii) subsequent to receipt of the request.
46. The system of claim 31 , wherein the at least a portion of the bill presentment information comprises at least one of:
(i) bill summary information, (ii) bill detail information, (iii) or a list of bills having a common status.
47. The system of claim 31 , wherein the at least one processor is further configured to:
normalize the at least a portion of the received billing information to generate normalized information.
48. The system of claim 47 , wherein the at least a portion of the bill presentment information comprises bill detail information, and wherein the at least one processor is further configured to: generate the bill detail information based at least in part upon templating the normalized information.
49. The system of claim 31 , wherein the at least one communications interface is further configured to receive, on behalf of the payor, a request to pay a bill of the biller represented by the bill presentment information, and wherein the at least one processor is further configured to direct payment in accordance with the received request to pay the bill.
50. The system of claim 49 , wherein the at least one communications interface is configured to receive a request to a pay a plurality of bills including the bill of the biller.
51. The system of claim 49 , wherein to direct payment, the at least one processor is configured to one or more of (i) transmit an electronic funds transfer instruction or (ii) direct the mailing of a paper instrument.
52. The system of claim 49 , wherein the at least one communications interface is configured to receive a request associated with a payment date, the payment date either (i) generated based on a due date associated with the bill or (ii) specified by the payor.
53. The system of claim 49 , wherein the at least one processors is configured to generate the payment date to pre-date the due date and indicate when payment must be made to ensure timely arrival.
54. The system of claim 49 , wherein the at least one communications interface is configured to receive a request associated with a payment amount, the payment amount either (i) generated based on an amount due associated with the bill or (ii) specified by the payor.
55. The system of claim 49 , wherein the at least one communications interface is configured to transmit, for presentation to a payor, a status associated with the request to pay.
56. The system of claim 55 , wherein the at least one communications interface is configured to transmit, for presentation to a payor, a selectable action associated with the status.
57. The system of claim 31 , wherein the biller is a first biller, and wherein the at least one communications interface is configured to receive an authorization to automatically pay bills of a second biller on behalf of the payor.
58. The system of claim 57 , wherein the at least one communications interface is configured to receive one or more rules associated with automatic payment of the bills of the second biller.
59. The system of claim 58 , wherein the one or more rules specify at least one of (i) a fixed payment amount, (ii) a frequency of payment, (iii) an instruction to pay a total amount due, (iv) an instruction to pay a minimum amount due, or (v) a maximum payment amount.
60. The system of claim 57 , wherein the at least one communications interface is configured to receive one or more rules associated with notification or presentment of bills of the second biller.
61. The system of claim 60 , wherein the one or more rules comprise at least one of (i) an instruction to transmit notices and bill presentment information associated with the bills of the second biller or (ii) an instruction to not transmit notices and bill presentment information associated with the bills of the second biller.
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Cited By (3)
Publication number | Priority date | Publication date | Assignee | Title |
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US20200258062A1 (en) * | 2019-02-12 | 2020-08-13 | Jpmorgan Chase Bank, N.A. | Method and system for implementing an electronic exchange for bill pay transactions |
US11783308B2 (en) * | 2019-02-12 | 2023-10-10 | Jpmorgan Chase Bank, N.A. | Method and system for implementing an electronic exchange for bill pay transactions |
WO2021179055A1 (en) * | 2020-03-12 | 2021-09-16 | Sniip Ltd | A method and system for making a secure payment |
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US7366697B2 (en) | 2008-04-29 |
US20040064408A1 (en) | 2004-04-01 |
US20040083167A1 (en) | 2004-04-29 |
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US20020019809A1 (en) | 2002-02-14 |
US20110202458A1 (en) | 2011-08-18 |
US7383226B2 (en) | 2008-06-03 |
US20020002535A1 (en) | 2002-01-03 |
US20040078329A1 (en) | 2004-04-22 |
US20020046167A1 (en) | 2002-04-18 |
US6289322B1 (en) | 2001-09-11 |
US20020052840A1 (en) | 2002-05-02 |
US20020046166A1 (en) | 2002-04-18 |
US20040064410A1 (en) | 2004-04-01 |
US20020128968A1 (en) | 2002-09-12 |
US7636688B2 (en) | 2009-12-22 |
US20040059673A1 (en) | 2004-03-25 |
US7120602B2 (en) | 2006-10-10 |
US20040064409A1 (en) | 2004-04-01 |
US20020046168A1 (en) | 2002-04-18 |
US8165956B2 (en) | 2012-04-24 |
US7933826B2 (en) | 2011-04-26 |
US20120209766A1 (en) | 2012-08-16 |
US20020010677A1 (en) | 2002-01-24 |
US20020049672A1 (en) | 2002-04-25 |
US20020046165A1 (en) | 2002-04-18 |
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