The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jun. 07, 2011
Filed:
Apr. 02, 2003
Eric W. Jamison, Metuchen, NJ (US);
David S. Fortney, Lawrenceville, NJ (US);
Dhaval A. Vasavada, Belle Mead, NJ (US);
Alexander Kosowski, Hamilton Square, NJ (US);
Eric W. Jamison, Metuchen, NJ (US);
David S. Fortney, Lawrenceville, NJ (US);
Dhaval A. Vasavada, Belle Mead, NJ (US);
Alexander Kosowski, Hamilton Square, NJ (US);
Metavante Corporation, Jacksonville, FL (US);
Abstract
An integrated electronic bill presentment and payment (EBPP) system is disclosed which obtains bills for customers (which include individuals, businesses, and organizations) and allow payments including payments by credit card to be processed at the biller websites on behalf of customers. The integrated EBPP system obtains bills for customers from paper billers, electronic billers, and scrape-enabled biller websites, with customers providing access information for biller websites to the integrated EBPP system, which uses a software agent or bot to make scheduled scrapes of biller websites to obtain customer bills. The integrated EBPP system enables customers to automatically set up a user account at biller websites, with customers providing user access information and user financial account information, such as a credit card or debit card, for accessing biller websites and for initiating payments at biller websites.