G - Physics – 07 – F
Patent
G - Physics
07
F
G07F 7/00 (2006.01) G06Q 20/00 (2006.01) G06Q 30/00 (2006.01) G06Q 40/00 (2006.01)
Patent
CA 2173713
A system and method for electronically creating, presenting, paying and reconciling bills includes an electronic bill presenter in electronic communication with bill originators, bill payers and respective banks. The electronic bill presenter receives bill data from bill originators, creates bills in a graphical format for electronic presentation to bill payers, and transmits bill payment instructions received from bill payers to bill payers' banks for transfer of payments to bill originators' banks. The electronic bill presenter also sends a confirmatory reconciliation message to the bill originator for payment instructions received from bill payers.
Bednar Gregory M.
Carr Thomas E.
Donahue James W.
Hendrix Robert F. Jr.
Kuklentz Richard J.
Hoicka Leonora
International Business Machines Corporation
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