Abstract: A system for processing payment of bills from multiple bill providers which establishes connections to bill provider computers through APIs unique to each bill provider. The system includes a display for displaying a list of bill providers, an input device for recording customer selections of a number of the bill providers from the list, a payment accepting device, such as a check reader, card reader, or cash acceptor, and a processor for establishing connections to computers of the bill providers through the APIs which are resident on the kiosk in response to the customer selections, for sending customer identification information to the computers, for receiving and displaying customer account information from the computers, for recording the payments from the payment accepting device, and for sending payment information to the computers.

Abstract: A system and method of tracking bill payment methods which stores details about payment to develop promotions. The system includes a touch screen, keyboard, or other device for recording customer identification information. A display displays payment method options based upon the customer identification information. A touch screen or keyboard for records bill payer selection of one of the payment options. A cash acceptor, check reader, or card reader receives payment in accordance with the one payment option. Finally, a processor determines predetermined details about the payment and stores the details.