Patent ID: 8112354
Filing Date: 2012-02-07
Classification: G06Q

Abstract:
1. A method for conducting at least one bill payment related activity by using a consolidation toolbar inside a browser, wherein the browser is installed on a web services client, the web services client being part of a network, wherein the network further comprises a web services server, and a central repository, the method comprising the steps of: a. initiating a toolbar software associated with the consolidation toolbar each time the browser is launched by a user, the toolbar software enabling communication with the central repository and the web services server; b. verifying authentication information provided by the user to the toolbar software for using the consolidation toolbar, the authentication information being associated with the consolidation toolbar, wherein verifying the authentication information is performed by the web services server by communicating with the central repository, and wherein the central repository is a database over the network, the database comprising profile information of one or more users and information related to one or more billers; c. displaying the consolidation toolbar comprising a list of the billers of interest to the user, the consolidation toolbar being displayed after the user provides appropriate authentication information to the toolbar software, wherein the consolidation toolbar is a Graphical User Interface (GUI) enabling a user interaction by presenting one or more options by means of graphical images in the consolidation toolbar, the interaction being supported by the toolbar software; d. consolidating a list of billers in the consolidation toolbar based on the authentication information provided by the user, the consolidating comprising: the list of billers being derived from one or more billers stored in the central repository present in the network, the one or more stored billers being maintained by an editor, the list of billers being associated with the authenticated user, wherein the list of billers is personalized by the authenticated user, wherein each of the one or more billers is a service provider seeking a payment for one or more services provided to the authenticated user; e. presenting the consolidated list of billers, the at least one uniform link, and the automated reminder to the authenticated user, wherein each biller of the consolidated list of the billers, the at least one uniform link, and the automated reminder are displayed as corresponding graphical images in the consolidation toolbar; f. performing an action on the consolidation toolbar, the action being at least one of a selection of at least one biller from the list of consolidated billers, accessing the at least one uniform link, and accessing the automated reminder, the action being performed by the authenticated user; g. displaying to the authenticated user the displaying comprising: h. providing authentication information for authenticating the user at the authentication page when the authentication page is displayed, the authentication being based on the specific authentication information corresponding to the at least one selected biller, wherein the specific authentication information is transferred from the password vault and electronic wallet to the authentication page without any intervention of the user; i. performing the at least one bill payment related activity on a website of the at least one selected biller, and j. saving one or more details associated with the at least one bill payment related activity at the central repository, wherein the steps of the method are performed by a microprocessor included in a computer.