Patent ID: 7958049

Claim:
An electronic bill payment system comprising: a user interface at a first website on a user computer for enabling a user to enter user financial account information and user access information for use in accessing a biller website and for making a payment at said biller website from a user financial account, said first website being a different website than said biller website; and a bot program for using said user access information to access said biller website, said bot program using said user financial account information to initiate a payment on behalf of the user at said biller website from said user financial account, the bot program configured with a bill presentment component for gathering user bills from billers, said electronic bill payment system being operative to pay electronic bills gathered by said bill presentment component, the bill presentment component including an agent program acting as a proxy for the user for accessing the biller website using said user access information, said agent program, on a scheduled basis, scraping said biller website to obtain bill data for said user, said agent program returning said user bill data from said biller website to said bill presentment component for presentment to said user.