{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-10515346","patent":{"patent_number":"US-10515346","title":"Integrated bill presentment and payment system and method of operating the same","assignee":null,"inventors":[],"filing_date":"2014-04-29T00:00:00.000Z","publication_date":"2019-12-24T00:00:00.000Z","cpc_codes":["G06Q","G06Q"],"num_claims":9,"abstract":"An integrated bill presentment and payment system and an associated method are disclosed which can accomplish the entire process of bill presentment and payment directly with billers, customers, and their respective financial institutions, but which are also capable of interfacing with independent biller service providers, independent customer service providers, independent consolidators, and/or independent payment providers. The integrated bill presentment and payment system and method of the present invention can link directly to billers and customers, and can also access and distribute billing information from third party biller service providers or consolidators and participate in the distribution of the billing information to customers through third party customer service providers and consolidators. The integrated bill presentment and payment system and method of the present invention can make payments on behalf of customers itself, and can also forward payment instructions to third party payment providers if required."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Integrated bill presentment and payment system and method of operating the same","description":"An integrated bill presentment and payment system and an associated method are disclosed which can accomplish the entire process of bill presentment and payment directly with billers, customers, and t","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-10515346","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-10515346","citation_suggestion":"Patentable. \"Integrated bill presentment and payment system and method of operating the same\" (US-10515346). https://patentable.app/patents/US-10515346","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-10515346","json":"https://patentable.app/api/llm-context/US-10515346","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T17:20:03.941Z"}