Patent ID: 7752130

Claim:
In a bill presentment and payment environment with a scheduled time to communicate billing information with a set of billers, a bill presentment and payment method comprising: receiving, from a customer computer and at a client object of a consolidator server of an Internet bill presentment and payment (IBPP) system, customer registration information, including information sufficient to identify the customer; providing, by the client object of the consolidator server, the customer identification information to one of the billers as part of a first request indicating enrollment in the bill presentment and payment system, said customer information being provided to a biller server associated with the biller, the biller server including a server object, a request handler, connected to the server object, and an implementation object which receives requests from the request handler; and upon validation of the customer information by the server object of the biller server, permitting access by the customer to billing information from the one of the billers at an unscheduled time.