Abstract: Systems and methods for facilitating bill payment and presentment are provided using bill pay codes generated by a biller and validated by a bill presentment and payment system. A mobile service provider enables consumers having pre-paid mobile telephone accounts to employ embodiments of the systems and methods.

Abstract: A payment processing network operator obtains, from customer service providers, a first plurality of messages specifying a plurality of bill payments to a plurality of biller entities. Said first plurality of messages specifies, for each of the bill payments, an amount and an intended one of the biller entities to be paid. Based on the first plurality of messages, the operator of the payment processing network dispatches, to the plurality of biller entities, a second plurality of messages to initiate the plurality of bill payments. The operator of the payment processing network obtains data that specifies when at least some of the first plurality of messages are to be obtained and/or when at least some of the second plurality of messages are to be dispatched. Obtaining the first plurality of messages and/or scheduling dispatching the second plurality of messages are carried out in accordance with the data.

Abstract: A system can have a plurality of participating entities including a plurality of receivers and a plurality of originators. A data file indicative of an account restructuring of a given one of the receivers can be obtained. The data file specifies at least one old account number associated with the receiver and at least one new account number associated with the receiver. The data is placed in a conversion data structure in a format to facilitate account number conversion. Remittance data, including the old or new account number of the receiver, is obtained from a given one of the participating entities, and is routed in accordance with the old or new account number in the remittance data, and the data structure.

Abstract: A system can have a plurality of participating entities including a plurality of receivers and a plurality of originators. A data file indicative of an account restructuring of a given one of the receivers can be obtained. The data file specifies at least one old account number associated with the receiver and at least one new account number associated with the receiver. The data is placed in a conversion data structure in a format to facilitate account number conversion. Remittance data, including the old or new account number of the receiver, is obtained from a given one of the participating entities, and is routed in accordance with the old or new account number in the remittance data, and the data structure.