Electronic bill presentment and payment system that obtains user bill information from biller web sites

Abstract

An electronic bill presentation and payment (EBPP) system that is able to obtain bills for its customers from scrape-enabled biller Web sites. The EBPP system has an interface which permits a customer to specify that the customer wishes the EBPP system to retrieve a customer's bills from a biller Web site at which the customer may access them. The customer provides his or her access information for the biller Web site to the EBPP system, which then uses a software agent to make scheduled scrapes of the biller Web site to obtain the customer's bill. The software agent scrapes not only bill summary information such as the account number, the statement date, the bill amount, the payment due date, the minimum amount and/or total amount due from the biller Web site, but also scrapes display information for the bill. The display information is the HTML that the biller Web site itself uses to display the bill. The agent cleans the HTML so that it can be displayed in the environment provided by the EBPP system. Both the bill summary information and the display information are incorporated into databases maintained by the EBPP system, which treats bills obtained from scrape-enabled Web sites in the same fashion as bills obtained from other sources.