| 摘要 |
Systems and methods for concentrating electronic payments are disclosed. The systems are operated analogously to a lockbox arrangement. A biller establishes a relationship with a financial institution, and the financial institution establishes an electronic lockbox account for the biller. The biller provides electronic bill data to the financial institution. The financial institution receives electronic payments for the biller, and matches the payments against the bill data. The financial institution groups the electronic payments and credits a deposit account of the biller for the grouped payments. The description includes the systems and operations of the biller, the financial institution, the payors and others. Exception handling and reporting are also described.
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