Patent ID: 7761377
Filing Date: 2010-07-20
Classification: G06Q

Abstract:
1. A computer-implemented method for processing bills electronically, wherein a bill is created for a customer using billing information, master data from a biller of a plurality of billers, and master data from the customer, the method comprising: a) receiving the billing information from the biller of the plurality of billers by a biller service provider, the biller service provider having direct access to the master data of the biller and the biller service provider not having direct access to the master data of the customer; b) generating a bill by the biller service provider using the billing information and the master data of the biller; c) requesting the master data of the customer from a consolidator by the biller service provider, wherein the consolidator has direct access to the master data of the customer and the consolidator does not have direct access to the master data of the biller; d) transforming the bill into a presentment format specified in the master data of the customer by the biller service provider if the presentment format of the generated bill is not the presentment format specified in the master data of the customer; and e) transferring the generated or transformed bill to the consolidator by the biller service provider, wherein the consolidator has the ability to receive at least one other bill from the plurality of billers and to combine the generated or transformed bill with the at least one bill from the plurality of billers to form a combined bill for presenting to the customer.