SYSTEM AND METHOD FOR ADMINISTERING BILLING, SERVICING MESSAGING AND PAYMENT IN DIGITAL WALLETS

摘要

A digital wallet bill management system runs on centralized processors in operative communication with databases and in networked communication with digital wallet applications, computerized billing systems and payment gateways. Code snippet activators are provided to customers running digital wallet applications on their respective electronic devices. When customers activate the code snippet information, the digital wallet bill management system produces biller e-cards for the digital wallet applications, linking customer accounts to the billing system for the respective customers. The code snippets include biller codes, customer codes and URL addresses, and the system matches the codes with data stored in the database for the respective biller and customer and transmits the biller e-card information to the respective electronic devices for the digital wallet application. The customers use funding e-cards in their digital wallets to produce electronic bill payment records for electronic bills that the system populates using the biller e-cards.

主权项

1. A method for bill presentment and bill payment via a digital wallet system application, the method comprising:
communicating with a digital wallet service provider through at least one processor, communicating with at least one billing system and payment processor, and further communicating with at least one payment gateway used by the billing system; receiving configuration information from the billing system through the at least one processor, the configuration information enabling delivery of data to each customer account of the billing system through the digital wallet system application, wherein the configuration information includes setup of electronic bill presentment and electronic bill payment presentment; providing a plurality of code snippet activators to a plurality of customers, wherein code snippet information in the code snippet activators links a plurality of customer accounts to the digital wallet system application for the at least one billing system; registering through the at least one processor a unique customer of a particular biller when the unique customer activates at least one of the code snippet activators through a user-specific electronic device; and transmitting through the at least one processor a digital bill to the unique customer of the particular biller using a mobile bill presentment and payment e-card within a digital wallet application resident on the user-specific electronic device.