SYSTEM AND METHOD FOR OBTAINING CUSTOMER BILL INFORMATION AND FACILITATING BILL PAYMENT AT BILLER WEBSITES

摘要

An integrated electronic bill presentment andpayment (EBPP) system is disclosed which obtains billsfor customers (which include individuals, businesses,and organizations) and allow payments includingpayments by credit card to be processed at the billerwebsites on behalf of customers. The integrated EBPPsystem obtains bills for customers from paper billers,electronic billers, and scrape-enabled billetwebsites, with customers providing access informationfor biller websites to the integrated EBPP system,which uses a software agent or bot to make scheduledscrapes of biller websites to obtain customer bills.The integrated EBPP system enables customers toautomatically set up a user account at billerwebsites, with customers providing user accessinformation and user financial account information,such as a credit card or debit card, for accessingbiller websites and for initiating payments at billerwebsites.