Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 1 of 43 PageID #: 116
`Case 2:21-cv-00041-JRG Document 1—4 Filed 02/04/21 Page 1 of 43 PageID #: 116
`
`EXHIBIT D
`
`
`EXHIBIT D
`
`
`
`
`
`

`

`US0085.33079B2
`
`(12) United States Patent
`Sharma
`
`(10) Patent No.:
`(45) Date of Patent:
`
`US 8,533,079 B2
`Sep. 10, 2013
`
`(54) INTEGRATED SYSTEMS FOR ELECTRONIC
`BILL PRESENTMENT AND PAYMENT
`
`(75) Inventor: Dushyant Sharma, Richmond Hill (CA)
`(73) Assignee: Metavante Corporation, Jacksonville,
`FL (US)
`
`(*) Notice:
`
`Subject to any disclaimer, the term of this
`patent is extended or adjusted under 35
`U.S.C. 154(b) by 0 days.
`
`(21) Appl. No.: 13/107,766
`
`(22) Filed:
`(65)
`
`May 13, 2011
`Prior Publication Data
`US 2011/0276450 A1
`Nov. 10, 2011
`Related U.S. Application Data
`(63) Continuation of application No. 09/751.265, filed on
`Dec. 29, 2000, now Pat. No. 7,945,491.
`
`(51) Int. Cl.
`G06O40/00
`(52) U.S. Cl.
`USPC ............................................... 705/34; 705/40
`
`(2012.01)
`
`(58) Field of Classification Search
`USPC ............................................................ 705/40
`See application file for complete search history.
`
`(56)
`
`References Cited
`
`U.S. PATENT DOCUMENTS
`6.421,067 B1 * 7/2002 Kamen et al. ................. 71.5/719
`6,493,685 B1* 12/2002 Ensel et al. ..................... TO5/40
`6,578,015 B1
`6/2003 Haseltine et al................ TOS/34
`2005/0192896 A1* 9, 2005 Hutchison et al. .............. TO5/40
`* cited by examiner
`Primary Examiner — Olabode Akintola
`(74) Attorney, Agent, or Firm — Finnegan, Henderson,
`Farabow, Garrett & Dunner, LLP
`
`ABSTRACT
`(57)
`The present invention relates generally to electronic com
`merce, and more particularly to methods and systems for
`integrating electronic bill presentment and payment among
`billers, consumers, banks and other financial institutions,
`electronic payment facilitators, and web portals and other
`spaces able to Support an interface for presentment and/or
`payment of bills.
`
`23 Claims, 33 Drawing Sheets
`
`10
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`Billers
`
`integrated Electronic
`Bill Presentment and
`Payment System
`
`
`
`Very Small
`Biers
`
`Functionality
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 2 of 43 PageID #: 117
`
`14
`
`Payment
`Facilitators
`
`Web Portals and Bill
`Presenters
`
`
`
`Consumers
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 1 of 33
`
`US 8,533,079 B2
`
`10
`
`16
`
`12
`
`Very Small as
`
`14
`
`Integrated Electronic
`Bill Presentment and
`Payment System
`
`Bill Box
`Functionality
`
`up w w Po w w w w w w
`
`w w w w w w
`
`w up A a
`
`a p 0
`
`or
`
`Payment
`Facilitators
`
`18
`
`Web Portals and Bill
`Presenters
`
`20
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 3 of 43 PageID #: 118
`
`Consumers
`
`22
`
`Fig. 1
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 2 of 33
`
`US 8,533,079 B2
`
`
`
`Yahoo, GO2Net, Other Portals
`
`
`
`
`
`
`
`
`
`
`
`
`
`Florida House
`
`Personal
`information
`
`Atlanta House
`
`
`
`quifax and
`other Credit
`Werifier
`
`Encrypted Access
`
`BILL BOX - ARCHITECTURE DAGRAM
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 4 of 43 PageID #: 119
`
`15
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 3 of 33
`
`US 8,533,079 B2
`
`
`
`
`
`Customer Access
`Any Web Site
`Any Application
`Any Device
`
`Payment
`Credit Card
`ACH
`EF
`Another BBox
`
`Bill Box Functionality
`
`Bill input
`resler
`After BBC
`OFX
`Other Portal Providers
`Scanned Bils
`
`Bill Box Customer View
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 5 of 43 PageID #: 120
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 4 of 33
`
`US 8,533,079 B2
`
`
`
`
`
`Bill input
`Binput
`
`
`
`Bill Generation
`-> Flat Annount
`Formula Based
`
`
`
`gypsy Download) to Bller
`But Generation
`Reports
`Bill repo
`
`Bill Box Functionality
`
`Notification to Billers
`rejected Bills
`Overdue Bills
`Payments Received
`Others
`
`Reports
`Any desired Report
`
`Bill Delivery
`Another Bissa
`--> Any Portal
`ential to Potential Customers
`Paperb?t (with withoutmail inserts)
`
`Bill Box - Biller View
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 6 of 43 PageID #: 121
`
`Fig. 4
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 5 Of 33
`
`US 8,533,079 B2
`
`
`
`email billbox
`stocks metaspy games shopping auctions
`Goze
`GoMet Personal
`Welcome to go2net Billbox: Your highly secure Vault for billing
`
`Send Your Bills To
`
`o Any Customer
`e Any Where
`a Any Time
`y
`Any Way
`
`Using secure Billbox vault
`Get Your Bills From
`o Any Device
`o Any application
`o Any place
`o Any time
`
`Using secure Billbox vault.TA
`
`I'm a New User
`
`Go2Net
`Personal
`
`First Step is to create a user
`account. If you have already
`done this proceed to Second
`step
`
`Create A Second step is to create a
`BitBox
`Bill Box
`
`I'm already registered for a BillBox
`BiBox O. 234As234
`login D: demo
`PaSSWOrd:
`Remember my D & Password (What's this?)
`Sign in
`
`Trouble signing in?
`Get help signing in here.
`
`Traded on NASDAQ: GNET Copyright e Go2Net, Inc. 1996-1999 Terns of use
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 7 of 43 PageID #: 122
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 6 of 33
`
`US 8,533,079 B2
`
`enail bilbox
`C2SO stocks nataspy games shopping auctions
`Go2Net Personal
`Welcome to go2net Billbox: Your highly secure Vault for billing
`
`
`
`Note: BillBox provides a very secure Vault to store all
`your information. There is no open data. All data is
`encrypted before it is stored. The encryption key is
`defined by you and is known only to you.
`To access your billbox, you need
`o Billbox id: Billboxid is an unique identification
`that is provided to each Billbox user.
`o Userid/Password : Unique combination known
`to only you.
`a Encryption Key: Defined by you. No data can
`be accessed without this key, even if you enter
`the bill-box using valid userid/password.
`
`Traded on NASDAQ. GNET Copyright O Go2Net, Inc. 1996-1999 Tens of use
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 8 of 43 PageID #: 123
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 7 of 33
`
`US 8,533,079 B2
`
`
`
`CO2e. stocks metaspy games shopping auctions
`billbox
`
`My inbox
`
`email
`
`billbox
`
`coanet personal
`
`QUTBOX
`comfANY ST.
`
`PAYACCOUNTS
`PREFERENCES
`contact us
`
`select Biller name
`
`Amount due date due Status
`
`Bill
`
`T Microcell Solutions
`
`firstline visa
`ETR
`
`40.07
`
`515.5
`247.34
`
`12/01/99 Unpaid WEW
`
`12/01/99 Unpaid WEW
`12/01/99 Sched
`
`Pay selected bills
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 9 of 43 PageID #: 124
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 8 of 33
`
`US 8,533,079 B2
`
`Gozer
`stocks
`billbox
`
`-
`- -
`... i
`NBox. is . . . .
`OUTEOX
`...
`COMPANY LIST
`RAY ACCOUNTS
`RREFERENCES
`
`metaspy games shopping
`
`auctions email
`logous
`
`reo
`
`Go2Net Personal
`
`Bill Summary
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`estasis
`MSNAc
`49bideoETs
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`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 10 of 43 PageID #: 125
`
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`
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`COO7
`
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`
`
`
`R
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 9 of 33
`
`US 8,533,079 B2
`
`stocks metaspy games shopping auctions email: billbox
`ooze
`billbox
`
`
`
`Company list
`
`Go2Net Personal
`
`comPANY List
`PAY ACCOUNTS
`PREFERENCES
`CONTACT US
`
`"P"y
`
`McRoc SOLUTIONS 0132****2333
`
`i
`
`Scheduled
`
`yes
`
`O
`
`O
`
`O
`
`Modify
`Delete
`
`Modi
`Delete
`Modify
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`Modify
`Delete
`
`FIRSTN WESA 403 **** **** 111
`
`ETR 21.2%ky589
`
`AMERICAN EXPRESS333 **** 3586
`
`Add a company
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 11 of 43 PageID #: 126
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 10 of 33
`
`US 8,533,079 B2
`
`Gozero stocks metaspy games shopping auctions
`bi
`
`y
`
`
`
`
`
`Add a company
`
`email billbox
`
`Go2Net Personal
`
`COMPANY LIST :
`PAY ACCOUNTS
`PREFERENCES
`CONTACT US
`
`i.
`
`Please enter the required informatioin about your biller. After
`completing this information, click add Company.
`
`Select a category : Utility
`Company name : ABC utility
`Delivery method : CheckFree
`Account number : 4200 57489856 O24
`
`w
`
`w
`
`Expiry date :
`
`MO2 mm/yy
`
`- Enable recurring payment schedule
`
`Add
`
`Cancel
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 12 of 43 PageID #: 127
`
`Fig. 10
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 11 of 33
`
`US 8,533,079 B2
`
`
`
`billbox
`
`NBC,
`OUTEOX .
`. .
`
`. .
`
`My outbox
`
`select set are
`
`Arnout due date de Status
`
`B
`
`Y comtel Telecom Solutions
`
`57.75
`
`11/01/99 Paid WEW
`
`
`
`CONTACT U.S.
`
`Y Hydro utility visa
`Acro consultants
`
`755
`33.34.
`
`1/O2/99 Paid WEW
`11/04/99 Paid
`
`Delete
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 13 of 43 PageID #: 128
`
`Fig.11
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 12 of 33
`
`US 8,533,079 B2
`
`
`
`i
`
`stocks metaspy games shopping auctions anal billbox
`3 e ,
`; 3 tie.
`
`co2Net personal
`
`Pay Accounts
`
`New Credit Card
`New Debit Account
`
`Account List
`
`ACCOUNT ACCOUNT ACCOUNT
`PE
`NUMBER
`NAME
`
`Credit Card: select credit cardt
`Card - Number:
`Expiration - Date: MM/YY
`
`
`
`COMPANY LIST
`PAY ACCOUNTS
`PREFERENCES
`CONTACT BS
`
`
`
`
`
`
`
`
`
`
`
`i.
`
`WSA
`
`4.1.11111...diddidddd
`
`Name On
`Card:
`
`ADD
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 14 of 43 PageID #: 129
`
`Fig. 12
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 13 of 33
`
`US 8,533,079 B2
`
`Go2Sco stocks metaspy games shopping auctions. anal billbox'?
`bi
`NBoxs is
`.
`.
`
`.
`
`.
`
`Go2Net Personal
`
`Preferences
`
`
`
`COMPANY LIST
`PAY ACCOUNTS
`PREFERENCES
`conTActus
`
`Here you will be able to change :
`
`set up e-mail notification
`Set up payment reminder
`your password
`your personal information
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 15 of 43 PageID #: 130
`
`Fig. 13
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 14 of 33
`
`US 8,533,079 B2
`
`metaspy games shopping auctions email billbox
`
`Go2Net Personal
`
`C2SE stocks
`billbox
`
`
`
`
`
`CTBOX
`COMPANY LIST .
`PAY ACCONS
`REFERENCES
`CKCNAC. S.
`
`Password Change
`
`Passwords must be between 6 and i8 characters, at least one of which is
`numeric (0-9), and at least one of which is a letter (a-Zor A-Z). Special
`characters (8, G) or M) are acceptable, but not spaces.
`*Current Password:
`
`New Password:
`*Re-Type New Password:
`Submit
`
`Clear
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 16 of 43 PageID #: 131
`
`Fig. 14
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 15 Of 33
`
`US 8,533,079 B2
`
`stocks metaspy games shopping auctions email billbox,
`case
`billbox
`
`Goanet personal
`
`
`
`. . .
`. .
`.
`OUTEOX . .
`COMPANY ST.
`
`CONTACT US
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 17 of 43 PageID #: 132
`
`Fields marked with an asterisk () must be entered.
`PERSONAL INFORMATION
`
`Please make the necessary changes.
`* First Name: poHNNY
`Middle Name: o
`LastName: SAMPLE324
`*User ID: 000324
`Password:
`Retype Password:
`* Email:
`Street Address: 70s 23RD STS
`city. ARLINGTON
`* State: WA
`*ZIP Code: 222022419
`*Day Phone:
`Evening Phone:
`
`
`
`(555-555-5555)
`(S55-555-5555)
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 16 of 33
`
`US 8,533,079 B2
`
`Core stocks metaspy gangs shopping
`billbox
`
`
`
`auctions email. billbox
`logous
`rea
`
`co2Net Personal
`
`NBox ,
`
`,
`
`, , ,
`
`PAY. Accoins
`RREFERENCES :
`
`goNtAct us )
`
`
`
`
`
`-
`
`3
`
`days before the due date
`1999 Y
`
`Send me payment reminder
`start sending: Nov
`Send how often; Once
`Send when: 3:00pm
`Stop sending: Noy
`4 t 1999 ve
`Payment Reminder
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 18 of 43 PageID #: 133
`
`Fig. 16
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 17 of 33
`
`US 8,533,079 B2
`
`retaspy gamos shopping auctions
`
`Gmail billbox
`
`Go2Net Personal
`
`Gozer stocks
`
`billbox
`
`. .
`
`.
`
`.
`
`.
`
`NEOX .
`OUBOX
`Create a Reminder
`COMPANY LIST .
`PAY Accounts Recipients: -
`REFERENCES -
`contAGT is T. Subject:
`Message:
`Ah
`
`Start sending:
`Send how often:
`Send When:
`Stop sending:
`
`
`
`3 t 1999
`Nov
`w
`Once
`3:00pm t
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 19 of 43 PageID #: 134
`
`Fig. 17
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 18 of 33
`
`US 8,533,079 B2
`
`002Net
`
`se
`
`auctions
`
`.
`
`.
`
`Go2Net Personal
`
`.
`
`.
`
`email billbox
`
`Ocze stocks metaspy games shopping
`billbox
`Neox
`a Contact Us
`company list) If you have questions about the Billbox's service, check out our Frequently
`Asked Questions. Answers to most common questions are immediately
`PAY ACCOUNTS available online.
`PREFERENCES To contact Billbox using email, type your message in the area below and
`click the Send Email button. You can also speak with a Billbox Service
`Representative by calling our toll free number: 1-877-BILLS4U (1-877
`245-5748).
`
`1. Enter your email address here:
`2. Type your message or question below:
`
`3. Click here:
`
`... Ca5-'fi
`;:Seng Egala to submit this to Billbox Customer
`Service.
`4. Please wait for your confirmation message.
`
`
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 20 of 43 PageID #: 135
`
`Fig. 18
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 19 Of 33
`
`US 8,533,079 B2
`
`
`
`Sign up as a biller
`
`Go2Net Personal
`
`If you send bills, now is the time to register. Soon you will be able
`to enjoy the savings of sending your bills electronically. No more
`hassles of folding and mailing paper bilis. Fill out the form below,
`and when you are authenticated, we will contact you by email,
`
`-
`Company name : for
`Company address : 905 Paces Ferry Road
`Company city : an -
`Company state : Georgia
`Company Zip : Boa -
`Company e-mail : infogderivion.com
`
`Merchant id: MID-03261973
`sign up.
`Resets.
`
`
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 21 of 43 PageID #: 136
`
`Fig. 19
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 20 of 33
`
`US 8,533,079 B2
`
`002e stocks metaspy games shopping auctions email billbox :
`
`Go2Met Personal
`
`
`
`MPORT BLS
`SFREMEW is
`
`Choose your bill tennplate.
`
`select template
`
`
`
`customize your own
`
`When you are ready
`
`Next
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 22 of 43 PageID #: 137
`
`Fig. 20
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 21 of 33
`
`US 8,533,079 B2
`
`G2Sep stocks metaspy games shopping auctions amal billbox i
`logout
`red
`bi
`
`Go2Net Personal
`
`
`
`
`
`-
`
`
`
`
`
`
`
`
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`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`
`ohn Smith
`5 Min Street.
`eledo, OH 43232
`
`Statement Date: Feb. 8, 1999
`Due date: Feb 26, 1999
`Altountruber 25-22-5523
`weigenbe: 0453
`
`Bill Summary
`
`Biling Period: 2.2 to 3.02
`
`Aunt of Frevious Bill
`
`arrent Received on dec 21, 1998. Thank or
`
`g7.72
`
`Sgt.2
`
`ata Curret Charge due by Feb 26, 1999
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 23 of 43 PageID #: 138
`
`click here to finish afts
`
`;
`
`:
`
`
`
`Fig. 21
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`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 22 of 33
`
`US 8,533,079 B2
`
`Core stocks metaspy garnes shopping auctions email bitbox
`billbox
`
`BitTEMPLATE
`
`Design your bill template
`
`Go2Net personal
`
`REPORTS
`MFORE BLSr.
`Bill FREWEW
`3.SSMERS
`SENNA
`
`
`
`How will bill data be provided?
`
`select program
`Quickbooks
`Peachtree
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`r
`
`Printer Datastream
`Database export
`
`Other
`
`When you are ready Next
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 24 of 43 PageID #: 139
`
`Fig. 22
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`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 23 of 33
`
`US 8,533,079 B2
`
`notaspy garnes shopping
`
`auctions anal billbox
`
`Go2Net Personal
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`billbox
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`BTENPAE
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`REPORTS
`MFORTELS is
`Bit RREWEYN .
`.
`USTSMER St
`SEND MAt
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`Invoice
`
`Here you can send a one time only invoice. Use this as an
`alternative to creating a template for one time transactions, Enter
`your information below and simply click send when you are
`finished.
`
`Fields marked with an * must be completed.
`
`* Biller's name:
`
`Amount Options :
`* Recipients:
`
`Description of service/item:
`
`Doe Lawn Services
`
`Amount Due
`individual
`Lawn mowing
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`a.
`r
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`
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`Continue: Rés
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`st
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 25 of 43 PageID #: 140
`
`Fig. 23
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`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 24 of 33
`
`US 8,533,079 B2
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`2Sept stocks-metaspy gameso-shopping rauctions" email's billbox :" Go2Net personal
`logout
`help
`
`
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`all TEMPLATE
`
`Invoice (Step No 2)
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`Fields marked with an * must be completed.
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`* Amount due ; -
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`* Date due :
`Rosolos -
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`
`Send Later
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 26 of 43 PageID #: 141
`
`Fig. 24
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 25 Of 33
`
`US 8,533,079 B2
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`
`
`NYSCE.
`
`MSR. R.S.
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`
`
`
`
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`it a
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`GozNet Personal
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`Invoice
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`This is what your invoice will look like. Preview all the information,
`then click send when you are done.
`
`Poe law in Services
`
`Jane Smith
`jsrnith Ghotmail con
`
`Statementade; Sov. 1, 1999
`Oue aste: Ivec ll, 1999
`Accountamber 548-356-385
`riterraber: 024s
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`sun inctring
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`Total current charge dues by Oect, SSS
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`
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 27 of 43 PageID #: 142
`
`Fig. 25
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`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 26 of 33
`
`US 8,533,079 B2
`
`ooze...stocks, metaspy. garrios. shopping auctions anal billbox "..."
`bi
`B.TEMPLATE
`NWic
`
`Report builder
`
`Use this for to create a report of your client's transactions.
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`
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`cornet personal
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`Report type :
`Report date :
`Sort by :
`
`summary
`Mon, Now Ol., 1999
`f nvoice number
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`Build report
`
`Cancel
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 28 of 43 PageID #: 143
`
`Fig. 26
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`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 27 Of 33
`
`US 8,533,079 B2
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`cap stocks, inelaspyr games, shopping auctions anal billbox"
`bi
`Bill feaPLATE
`accroarrace
`REPORTS
`number of bills sent
`NFORT. Bills
`LEEWAY number of bills published
`CUSIOMERLIS
`SENMAt
`number of bills not published
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`number of bills paid
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`
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`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 29 of 43 PageID #: 144
`
`Fig. 27
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 28 of 33
`
`US 8,533,079 B2
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`0.2e. stocks.netaspy, gangs, shopping auctions email billbox -
`billbox
`Bit EMPLATEP's
`NWOCE. .
`.
`REPORTS
`
`Goznet Personal
`
`
`
`John Smith's Com
`
`John Smith's Billbox (internet)
`
`Find filename:
`
`Browse...
`
`1) Click Browse
`2) Find file on Hard Disk
`3) Press >> to Transfer (Help)
`
`Status
`Received
`Processed
`Error
`
`Description
`date
`1-13-98
`bill No 1
`11-13-gs
`sit No.2
`11-13-98
`Bit No. 3
`
`Dore
`
`1) Select Filename (click circle)
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 30 of 43 PageID #: 145
`
`Fig. 28
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`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 29 Of 33
`
`US 8,533,079 B2
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`cone
`
`sonal
`
`Bill quality assurance
`
`
`
`
`
`MFORT BELS
`
`sEN.p...M.A.
`
`
`
`O Choose the bill you would like to preview.
`8 When you are satisfied with these bills, click 'Send the bills' to release them to
`your clients,
`245-222-6523
`
`send now
`
`Send later
`
`view
`
`Edit Bils
`
`John Smith
`1s Main Street.
`oledo, Oh 43232
`
`Statement date: November 2, 1999
`Due date: November 26, 1999
`Accounturer: 245222-8523
`voice number 21453
`
`Bill Summary
`
`Billing Period: 2110 to 2f11
`
`Arnout of Previous as
`
`Payment Received on October 18, 1999. Thank You
`
`Total Current Charge due by November 26, 1999
`
`set.2
`
`sog,69
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 31 of 43 PageID #: 146
`
`Fig. 29
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`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 30 Of 33
`
`US 8,533,079 B2
`
`
`
`
`
`stocks metaspy garnes
`billbox
`Bill. TEMPLETE Bill quality assurance
`voice
`
`shopping
`
`auctions a onal billbox
`
`SO2Net Personal
`
`0 Choose the bit you would like to preview.
`o When you are satisfied with these bills, click "Send the bills' to release thern to
`your clients.
`
`isolarits
`
`
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 32 of 43 PageID #: 147
`
`John Smith
`15 Mi sleet.
`Toledo, OH 43232
`
`Statement Date: Nov 2, 1999
`Oue date:
`Nov 26, 199:
`Accountrurber 245-222-6523
`O2453
`
`invoice number:
`
`Bill Summary
`
`Bitting Period: 2ft.0 to 2114
`
`Amourt of Previots Bill
`
`$97 72
`
`Payment Received on October 8, 1999.
`
`hank You
`
`$97.72
`
`total Current charge due by Nov 26, 199:
`
`Done
`
`Fig. 30
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 31 of 33
`
`US 8,533,079 B2
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`
`
`at TEM
`
`A Custone list
`
`Here you can add, modify or delete Your customer accounts.
`i; Addaicustoméri
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`Tony Casciaro 959685
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`15425
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`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 33 of 43 PageID #: 148
`
`Fig. 31
`
`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 32 of 33
`
`US 8,533,079 B2
`
`ooze
`
`stocks metaspy gangs shopping auctions email billbox
`my bills
`
`a 3 cu a bill:er
`
`Go2Net Personal
`
`Add an account
`
`Cient's nates Darry Sukkel
`
`Cient's account number s75966
`Client's e-mail address: asukkelghotmail.com
`
`
`
`- Addaccount:
`
`''. Cancel: .
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 34 of 43 PageID #: 149
`
`Fig. 32
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`

`

`U.S. Patent
`
`Sep. 10, 2013
`
`Sheet 33 Of 33
`
`US 8,533,079 B2
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`Core stocks
`
`retaSpy gamis shopping auctions
`
`enai bibox
`
`GO2Net Personal
`
`billbox
`
`Bll TEMPATE
`NWOCE ' ".
`.
`REPORTS
`MPORT BLS
`EPREVE
`CUSTOMER LIST
`
`
`
`Send e-mail to customer
`
`To: Smithgderivion.com
`Subject: Payment Remainder
`
`Text:
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 35 of 43 PageID #: 150
`
`Fig. 33
`
`

`

`US 8,533,079 B2
`
`1.
`INTEGRATED SYSTEMIS FOR ELECTRONIC
`BILL PRESENTMENT AND PAYMENT
`
`This is a continuation of application Ser. No. 09/751,265,
`filed Dec. 29, 2000 now U.S. Pat. No. 7,945,491, which is
`incorporated herein by reference.
`The present invention relates generally to electronic com
`merce, and more particularly to methods and systems for
`integrating electronic bill presentment and payment among
`billers, consumers, banks and other financial institutions,
`electronic payment facilitators, and web portals and other
`spaces able to support an interface for presentment and/or
`payment of bills.
`
`10
`
`BACKGROUND OF THE INVENTION
`
`15
`
`2
`internal EBPP solution, it gives billers the advantage of tight
`control over the billing system. However, this type of solution
`is very costly. Not only is it a technology risk because billers
`lose the flexibility to adapt to other EBPP standards, but it
`requires a Substantial amount of manpower and infrastruc
`ture. Furthermore. Such systems innately discourage con
`Sumeruse or popularity, since the consumer is required to log
`onto and initiate a session on a separate site for each different
`bill the consumer wishes to pay.
`A second common EBPP approach, which is referred to as
`the consolidator approach, presents its own set of problems.
`This method of enabling EBPP trades control of the billing
`interface and branding opportunity for a reduction in cost,
`risk, and internal staffing by outsourcing the EBPP to a third
`party consolidator. Here, the electronic payment processor
`takes on a lock box function of holding and moving cash
`during billing and payment. The payment processor performs
`an aggregation function by presenting multiple billers State
`ments at a single, consolidating web site. Not only does
`interposition of the consolidator and its interface between
`billers and consumers interrupt any existing relationship, but
`it also precludes exploitation of new biller opportunities to
`interact with consumers.
`In addition to the problems already mentioned, existing
`EBPP enabling methods have various other disadvantages.
`For example, they remain an expensive option for most billers
`who lack sufficient economies of scale necessary to overcome
`the high fixed cost of implementation. These EBPP methods,
`which primarily focus on reducing biller costs, also often fail
`to address the issue of consumer convenience adequately,
`much less to provide effective incentives for consumer adop
`tion.
`Furthermore, conventional EBPP approaches, which seek
`to implement EBPP on portal interfaces, often require redun
`dant resources Supported by multiple entities and conse
`quently waste processing and transport resources. For
`example, using existing EBPP methods, if a consumer desires
`to pay AT&T bills electronically at a website such as Yahoo
`.com., the following occurs. First, the consumer requests that
`Yahoo.com receive the AT&Tbill and send it to the consumer.
`Then, assuming AT&T partners with an electronic payment
`facilitator Such as CheckFree, Yahoo.com makes a request to
`CheckFree. Finally, CheckFree initiates the request to AT&T.
`Because each of these entities are independent, each requires
`its own resident database and other Support functionality.
`Such conventional portal-supported EBPP approaches pro
`vide significant opportunity for improvement.
`
`25
`
`30
`
`35
`
`40
`
`45
`
`Billing consumers for goods and services has always been
`a necessary exercise and transaction cost of engaging in
`credit-based commerce. Traditionally, businesses bill con
`Sumers for goods and services by generating and mailing
`paper bills or invoices. There are many obvious business
`concerns relative to paper-based billing. Companies utilizing
`paper-based billing do so at a Substantial cost. For example, a
`company with 100,000 accounts which are billed on a
`monthly basis may spend over two million dollars a year in
`paper-based billing expenses. Much of this expense stems
`from the cost of materials, postage, and manual processing of
`the paper bills, inserts, and envelopes.
`Other significant logistical and business concerns detract
`from the paper-based billing option. The time delay associ
`ated with sending bills and receiving payments via conven
`tional mailing deprive companies of the time value of money
`and therefore create additional transactional costs. This time
`delay is particularly troublesome to small billers and non
`recurrent billers who tend to rely more heavily on cash flow.
`Paper-based billing can also deprive billers of an opportu
`nity to build brand. Although many paper billers include
`various types of marketing inserts with their bills in an
`attempt to use the billing activity as an additional opportunity
`to make favorable brand impressions on the consumer, those
`materials cannot be targeted as effectively as in an interactive
`session. For instance, billers do not have significant realistic
`control over the circumstances under which, or whether, a
`consumer views particular inserts. Indeed, studies have
`shown that many consumers disregard Such inserts altogether.
`The development of the Internet creates new opportunities
`to transact business electronically, including to conduct the
`billing presentment and payment process electronically, in an
`on-line way or otherwise. Some refer to various aspects of the
`electronic billing process as electronic bill presentment and
`payment (EBPP). Instead of mailing paper bills, EBPP
`enables businesses to publish, distribute and/or present bills
`electronically on web pages. Instead of writing checks and
`applying stamps, consumers have the opportunity to pay bills
`by an electronic credit card charge or direct bank draft. The
`biller benefits by avoiding the cost of generating and mailing
`paper bills, and by avoiding the payment float occasioned by
`two-way mail delay and other delays in paper-based remit
`tance. The consumer benefits with the added convenience of
`conducting transactions online, and the opportunity to pay
`many or all bills on one site or in one virtual space.
`In practice, however, there are significant concerns with
`conventional approaches to EBPP. For example, in one com
`mon approach to EBPP, which is often referred to as the
`custom development method, billers create a proprietary
`electronic billing system and link it to a third-party for pay
`ment processing. Because custom development is mostly an
`
`Case 2:21-cv-00041-JRG Document 1-4 Filed 02/04/21 Page 36 of 43 PageID #: 151
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`50
`
`55
`
`60
`
`65
`
`SUMMARY OF THE INVENTION
`
`The present invention provides fully integrated, end-to-end
`electronic bill presentment and payment systems. Such sys
`tems support integrated EBPP access and functionality for
`billers, consumers, banks, other financial institutions, and
`other electronic payment facilitators, any or all of which can
`be transacted at a web portal, web site or other interface or
`virtual space (“Portal Interface'). Such systems can support
`Such activities at multiple portals, so that consumers and
`others have the choice of paying bills and accomplishing
`other EBPP transactions in whatever virtual space or at what
`ever site they desire. The systems provide consumers, billers
`and others the ability to self-enable EBPP by interacting with
`the portal interface Such as via a series of web pages. Such
`systems of the present invention can control all interactions
`between billers and consumers from the portal interface. In
`addition, the systems can seamlessly orchestrate all other
`transactions with payment facilitators and banks. Therefore,
`
`

`

`US 8,533,079 B2
`
`3
`all EBPP functionality and processes can be controlled by
`systems and processes according to the present invention.
`The Portal Interface controlled by systems of the present
`invention provides individual consumers with a secure per
`sonalized electronic bill portfolio where they can schedule, 5
`view, and pay their electronic bills. The Portal Interface con
`trolled by such systems also enables billers to create con
`Sumer accounts and electronically publish their bills on a
`personalized electronic bill portfolio for viewing and pay
`ment. The systems can provide all bill processing, payment 10
`processing, consumer and biller data storage, and arrange all
`external billing transactions.
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`4
`FIG. 17 is a generic create a reminder screenface linked off
`the preferences screenface of a portal interface generated by
`a preferred embodiment of systems of the present invention.
`FIG. 18 is a contact customer service screenface linked off
`the preferences screenface of a portal interface generated by
`a preferred embodiment of systems of the present invention.
`FIG. 19 is a biller signup screenface of a portal interface
`generated by a preferred embodiment of systems of the
`present invention.
`FIG. 20 is a bill template design step 1 screenface of a
`portal interface generated by a preferred embodiment of sys
`tems of the present invention.
`FIG. 21 is a bill template design step 3 screenface of a
`portal interface generated by a preferred embodiment of sys
`5 tems of the present invention.
`FIG. 22 is a bill template design step 2 screenface of a
`portal interface generated by a preferred embodiment of sys
`tems of the present invention.
`FIG. 23 is an invoice creation step 1 screenface of a portal
`interface generated by a preferred embodiment of systems of
`the present invention.
`FIG. 24 is an invoice creation step 2 screenface of a portal
`interface generated by a preferred embodiment of systems of
`the present invention.
`FIG.25 is an invoice preview screenface of a portal inter
`face generated by a preferred embodiment of systems of the
`present invention.
`FIG. 26 is a report builder screenface of a portal interface
`generated by a preferred embodiment of systems of the
`present invention.
`FIG. 27 is a reports screenface of a portal interface gener
`ated by a preferred embodiment of systems of the present
`invention.
`FIG. 28 is an