Abstract: A customizable electronic bill payment and presentment system whereby the base logic for event notification messaging need not be changed in order to provide customization to different billers. Rather, customization features are stored in data repositories, preferably in XML format. An administrator can select which events will trigger event notification messages, control parameters for processing the event messages, and who will receive messages. Also, customizable message templates are provided in the data repositories. These templates can provide messages in different languages based the recipient. Also, the templates may provide different customizable messages to different recipients depending on the role of the recipient. Accordingly, customization for a particular biller is achieved by changing data stored in a repository, rather than reprogramming core logic.

Abstract: An customizable electronic bill presentment computer system for providing bill information from a biller to a remote customer over a network. The system processes a requested transaction from a customer through an interaction controller that utilizes stored scripts of instructions in an action descriptor repository. The action descriptor repository includes customized instructions for controlling business objects and presentation objects. The action descriptor repository and a presentation descriptor repository are maintained discrete from the business logic, presentation logic, and interaction controller, thereby providing that the repositories are the only part of the system directly reflecting the biller's particular electronic billing needs, the information in the repositories being customizable for the biller.