System and method for obtaining customer bill information and facilitating bill payment at biller websites

摘要

An integrated electronic bill presentment and payment (EBPP) system (50) 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 (54). The integrated EBPP system (50) obtains bills for customers from paper billers (51), electronic billers (52), and scrape-enabled biller websites (53), with customers (54) providing access information for biller websites to the integrated EBPP system, which uses a software agent or bot (68) to make scheduled scrapes of biller websites to obtain customer bills. The integrated EBPP system (50) enables customers to automatically set up a user account at biller websites, with customers (54) 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.