Apparatus and method for bill presentment and payment

Patent metadata

Field	Value
Publication number	US-9824342-B2
Application number	US-201314089223-A
Country	US
Kind code	B2
Filing date	Nov 25, 2013
Priority date	Feb 12, 2010
Publication date	Nov 21, 2017
Grant date	Nov 21, 2017

Abstract

Under control of an operator of a payment processing network, a bill presentment service is provided, wherein bills received from a plurality of billing entities are made available to a plurality of consuming entities. The operator also provides at least a portion of a bill payment service wherein the consuming entities are afforded an option of paying the bills from the plurality of billing entities. The operator stores, in a database, registration and preference data pertaining to each of the plurality of consuming entities. At least portion of the registration and preference data includes payment preference data specifying how a given one of the consuming entities wishes to pay at least two of the billing entities. The given one of the consuming entities is afforded an option to pay the at least two of the billing entities with a single command, in accordance with the payment preference data.

First claim

We claim:

1. A method comprising the steps of:
providing, under control of an operator of a payment processing network, a bill presentment service wherein bills received from a plurality of billing entities are made available to a plurality of consuming entities via a plurality of consuming entity service providers, by executing, on at least one hardware processor, a bill presentment platform module embodied on at least one non-transitory computer-readable storage medium;
storing in a database, accessible to said operator of said payment processing network:
registration and preference data pertaining to at least one of said plurality of consuming entities; and
sign-on authentication credentials, including a unique identifier and password, pertaining to at least one of said plurality of consuming entities;

obtaining, by said operator of said payment processing network, a given one of said bills from a given one of said billing entities, said given one of said bills having a single biller account number associated therewith, by executing, on said at least one hardware processor, a billing entity formatter module embodied on said at least one non-transitory computer-readable storage medium;
routing said given one of said bills having said single biller account number associated therewith from said given one of said billing entities to multiple ones of said consuming entity service providers for presentation to said at least one of said consuming entities via said multiple ones of said consuming entity service providers, by executing, on said at least one hardware processor, a consuming entity formatter module embodied on said at least one non-transitory computer-readable storage medium; and
allowing said at least one of said consuming entities to access said bill presentment service via said first one of said consuming entity service providers or via said second one of said consuming entity service providers, using said stored registration and preference data and said sign-on authentication credentials, by having said at least one of said consuming entities provide said unique identifier and password for authentication to said first one of said consuming entity service providers or for authentication to said second one of said consuming entity service providers, as the case may be, using a security assertion markup language server operated by or on behalf of said payment processing network.

2. The method of claim 1 , wherein at least a portion of said registration and preference data comprises payment preference data specifying how a given one of said consuming entities wishes to pay at least two of said billing entities, further comprising the additional steps of:
providing, by said operator of said payment processing network, at least a portion of a bill payment service wherein said consuming entities are afforded an option of paying said bills from said plurality of billing entities, by executing, on said at least one hardware processor, a bill payment platform module embodied on said at least one non-transitory computer-readable storage medium; and
affording said given one of said consuming entities an option to pay said at least two of said billing entities with a single command, in accordance with said payment preference data, by executing, on said at least one hardware processor, a user interface module embodied on said at least one non-transitory computer-readable storage medium.

3. The method of claim 1 , wherein at least a second one of said plurality of consuming entities does not enroll in said bill presentment service, further comprising the additional steps of:
providing, by said operator of said payment processing network, at least a portion of a bill payment service wherein said consuming entities are afforded an option of paying said bills from said plurality of billing entities, by executing, on said at least one hardware processor, a bill payment platform module embodied on said at least one non-transitory computer-readable storage medium;
receiving from said plurality of billing entities, via at least one of said bill presentment platform module and said bill payment platform module, an indication of ability to send said bills in electronic form;
storing, in said database, data indicative of said ability to send said bills in electronic form;
receiving from said plurality of consuming entity service providers, via at least one of said bill presentment platform module and said bill payment platform module, an indication of ability to receive said bills in electronic form;
storing, in said database, data indicative of said ability to receive said bills in electronic form;
tracking, via at least one of said bill presentment platform module and said bill payment platform module, a plurality of transactions to identify said at least second one of said plurality of consuming entities that does not enroll in said bill presentment service as being an intended recipient of at least one of said bills in electronic form, said tracking in turn comprising: storing, in a relationship table of said database, based on historical data, billing entity identifiers, billing entity account numbers, and consuming entity service provider identifiers; and
upon said operator of said payment processing network obtaining a bill from a given one of said billing entities in electronic form, via at least one of said bill presentment platform module and said bill payment platform module, consulting said relationship table to obtain at least one of said consuming entity service provider identifiers corresponding to a given one of said billing entity identifiers and a given one of said billing entity account numbers; and
making said bill from said given one of said billing entities available to said at least second one of said plurality of consuming entities that does not enroll in said bill presentment service, corresponding to said at least one of said consuming entity service provider identifiers, by executing, on said at least one hardware processor, a user interface module embodied on said at least one non-transitory computer-readable storage medium.

4. The method of claim 3 , wherein said consulting comprises consulting said relationship table to obtain at least a second consuming entity service provider identifier corresponding to said given one of said billing entity identifiers and said given one of said billing entity account numbers, further comprising making said bill from said given one of said billing entities available to at least a third one of said consuming entities corresponding to said at least second consuming entity service provider identifier, wherein said at least third one of said plurality of consuming entities also does not enroll in said bill presentment service.

5. The method of claim 3 , wherein said tracking further comprises: examining payment files from given ones of said consuming entity service providers to identify billing entity account numbers to be added to said relationship table if not already present therein; and
adding said billing entity account numbers to said relationship table if not already present therein.

6. The method of claim 5 , further comprising automatically electronically presenting future electronic bills associated with said billing entity account numbers added to said relationship table.

7. The method of claim 1 , wherein said storing in said database comprises storing:
said registration and preference data pertaining to each of said plurality of consuming entities; and
said sign-on authentication credentials, including said unique identifier and password, pertaining to each of said plurality of consuming entities.

8. The method of claim 1 , wherein:
said storing in said database of said sign-on authe

Assignees

• Mastercard International Inc

Inventors

• Kelly Mary L
• Riskovsky Susan E
• Altman Theresa
• Tolle Michael
• Lohman Darlene
• Mueller Brian W

Classifications

• G06Q20/102

  Bill distribution or payments · CPC title

• G06Q20/14 Primary

  specially adapted for billing systems · CPC title