System and method for electronic bill presentment using a third party
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United States of America Patent
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Jan 8, 2013
Grant Date -
N/A
app pub date -
Oct 14, 2004
filing date -
Oct 14, 2003
priority date (Note) -
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Abstract
A method and system for electronic bill presentment and payment using a third party intermediary is described. A third party provides an electronic post office that uses a virtual address directory to provide a level of abstraction in an EBPP data stream using the ACH network so that EBPP participants do not require the information that is typically required to process such transactions. By using the virtual address directory, neither the biller, nor the bank, nor the intermediary have all the consumer data used in the transaction. Accordingly, privacy is enhanced and any risk that privacy will be compromised is reduced.
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