Abstract: An integrated electronic bill presentment and payment (EBPP) system is disclosed which obtains bills for customers (which include individuals, businesses, and organizations) and allow payments including payments by credit card to be processed at the biller websites on behalf of customers. The integrated EBPP system obtains bills for customers from paper billers, electronic billers, and scrape-enabled biller websites, with customers providing access information for biller websites to the integrated EBPP system, which uses a software agent or bot to make scheduled scrapes of biller websites to obtain customer bills. The integrated EBPP system enables customers to automatically set up a user account at biller websites, with customers providing user access information and user financial account information, such as a credit card or debit card, for accessing biller websites and for initiating payments at biller websites.

Abstract: An integrated electronic bill presentment and payment (EBPP) system is disclosed which obtains bills for customers (which include individuals, businesses, and organizations) and allow payments including payments by credit card to be processed at the biller websites on behalf of customers. The integrated EBPP system obtains bills for customers from paper billers, electronic billers, and scrape-enabled biller websites, with customers providing access information for biller websites to the integrated EBPP system, which uses a software agent or bot to make scheduled scrapes of biller websites to obtain customer bills. The integrated EBPP system enables customers to automatically set up a user account at biller websites, with customers providing user access information and user financial account information, such as a credit card or debit card, for accessing biller websites and for initiating payments at biller websites.

Abstract: A method for comparing a first model and a second model. The method includes identifying metadata in the first model and in the second model and calculating a first set of signatures for objects of the metadata of the first model and a second set of signatures for objects of the metadata of the second model. The objects of the first model and the objects of the second model corresponding with each other have the same signatures. The method also includes determining which signatures of the first set of signatures match signatures of the second set of signatures. The method also includes determining for the matching signatures, whether the objects associated with the signatures of the first set of signatures equal the objects associated with the signatures of the second set of signatures.