Abstract: A billing management system providing for the submission and processing of request for payment messages, which includes a bill pay exchange (BPX) computing system having at least one processor, a database in electronic communication with the BPX computing system, the database storing data on consumers and billers that subscribed to the BPX computing system, one or more biller service providers, each of the biller service providers associated with one or more of the billers, a plurality of commercial financial institutions, each of the commercial financial institutions associated with one or more of the consumers, and a payment processing network electronically connecting the BPX computing system, the one or more biller service providers, and the plurality of commercial financial institutions.

Abstract: According to one implementation of the present disclosure, a method for bill presentment is disclosed. At a computing device associated with a consumer, the computing device having one or more processors, memory, and a display, the method includes: receiving, at a network integrator interface on a digital messaging system, authentication or transaction data from the consumer on the computing device; matching, by the network integrator interface, authentication or transaction data of the consumer with billing data of one or more biller systems associated with the consumer; and providing, by the network integrator interface, the billing data to the consumer.