Interactive electronic bill payment system

US8108274B2 · kind B2 · utility

Assignee

• Emergis Inc. · CA

Inventors

• David Johnston · Whitby, CA
• Mike Schmidt · Coon Rapids, US
• Ilan Grosman · Thornhill, CA
• Bob Ransom · Bolton, CA

Key dates

• Filing date: Oct 22, 2002
• Grant date: Jan 31, 2012
• Expiry date: Jul 15, 2025

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A system for coordinating the submission and processing of a bill according to predictive payment data of a plan. The system comprises a provider interface and an integrated database for receiving a predictive payment plan submitted from the provider interface. The system also has a predictive payment request of the plan storable in the database, the request including a plurality of predictive payment parameters. An adjudication engine is coupled to the integrated database, and an insertion function is used for inserting the predictive payment parameters, when stored in the database, into an adjudication rule set of the adjudication engine. The adjudication rule set is used for eventual adjudication of the predictive payment data, wherein adjudication of the predictive payment data results in the generation of the bill. The system also has a workflow engine coupled to the integrated database for coordinating the processing of the electronic bill and for updating the bill information in response to the bill processing. A management system is coupled to the integrated database for monitoring the contents of the integrated database accessible by the provider interface, wherein the pro…