Inventors:
Hans Myklebust - Menomonee Falls WI, US
Dushyant Sharma - Richmond Hill, CA
Timothy Patneaude - Milwaukee WI, US
Michael Kaminski - Milwaukee WI, US
John Watry - Elm Grove WI, US
Murali Chirala - Morgan Hill CA, US
Shankar Srinivasan - Saratoga CA, US
International Classification:
G06F017/60
Abstract:
An integrated bill presentment and payment system and an associated method are disclosed which can accomplish the entire process of bill presentment and payment directly with billers, customers, and their respective financial institutions, but which are also capable of interfacing with independent biller service providers, independent customer service providers, independent consolidators, and/or independent payment providers. The integrated bill presentment and payment system and method of the present invention can link directly to billers and customers, and can also access and distribute billing information from third party biller service providers or consolidators and participate in the distribution of the billing information to customers through third party customer service providers and consolidators. The integrated bill presentment and payment system and method of the present invention can make payments on behalf of customers itself, and can also forward payment instructions to third party payment providers if required.