초록 ▼

A system and method for electronically creating, presenting, paying and reconciling bills includes an electronic bill presenter in electronic communication with bill originators, bill payers and respective banks. The electronic bill presenter receives bill data from bill originators, creates bills i

A system and method for electronically creating, presenting, paying and reconciling bills includes an electronic bill presenter in electronic communication with bill originators, bill payers and respective banks. The electronic bill presenter receives bill data from bill originators, creates bills in a graphical format for electronic presentation to bill payers, and transmits bill payment instructions received from bill payers to bill payers' banks for transfer of payments to bill originators' banks. The electronic bill presenter also sends a confirmatory reconciliation message to the bill originator for payment instructions received from bill payers.

대표청구항 ▼

[ Having thus described the invention, what is claimed is:] [1.] A method of electronically providing bill payment services for presenting bills to the customer for payment by a bank having customer's funds, the steps of the method comprising:receiving a plurality of bills for multiple customers fro

[ Having thus described the invention, what is claimed is:] [1.] A method of electronically providing bill payment services for presenting bills to the customer for payment by a bank having customer's funds, the steps of the method comprising:receiving a plurality of bills for multiple customers from at least one bill originator;sorting the bills by customer;presenting electronically bills addressed to a customer to that customer in response to the customer's use of the payment service;receiving electronically a payment instruction from a customer who is paying a bill;initiating an order to the customer's bank to pay the bill; andproviding a record of the customer's payment of the bill. [19.] A system for electronic presentation, payment and reconciliation of bills, the system comprising:an electronic bill presenter in electronic communication with at least one bill originator and a plurality of bill payers,the electronic bill, presenter operative to receive bill data from a bill originator in the form of an electronic message,the electronic bill presenter further operative to create electronic bills for graphical presentation to bill payers by combining bill data with a graphical bill template,the electronic bill presenter further operative to transmit to bill payers identified by said bill data graphical representations of electronic bills from bill originators,the electronic bill presenter further operative to receive bill payment instructions from a bill payer to authorize a bill payer's bank to transfer a payment to a bill originator's bank in payment of an electronic bill,the electronic bill presenter further operative to transmit a message to a bill originator notifying the bill originator of receipt of payment authorization from a bill payer to which a bill originator's bill was presented by the electronic bill presenter.