Patent ID: 7848972

Claim:
An electronic bill presentment and payment system for presenting and paying bills via an electronic data network, comprising: (a) an input processing engine adapted to receive billing data from a plurality of billers in a plurality of different billing data forms; (b) a parsing engine adapted to parse the billing data received from the plurality of billers in a plurality of different billing data forms to transform the billing data into a common document model wherein the transformed billing data is all of the same form; (c) a database stored in a computer-readable medium adapted to store the transformed billing data parsed by the parsing engine; (d) a presentation engine coupled to the database and adapted to retrieve transformed billing data from the database and to output at least some of the retrieved transformed billing data via the electronic data network for use by bill payers; and (e) a biller interaction management component coupled to the database and adapted to allow the plurality of billers individually to retrieve and review transformed billing data from the database and to alter the transformed billing data in the database.