Abstract: A switching system for the electronic presentment and payment of bills between a Consumer and a Biller. The system includes an open, interoperable switching network for routing bill summary information between a Biller and a Consumer. Bill summary files are generated by a Bill Service Provider. Consumer Service Providers poll the Bill Service Providers through the switching network for newly generated bill summary files. The bill summary files are routed through the switching network to the appropriate Consumer Service Provider. Customers of the Consumer Service Provider log on to the web site of the Consumer Service Provider to access bill summary data. In addition to viewing the bill summary files electronically, the Consumer can initiate electronic payment of previously presented bills or bills that have not been presented electronically.

Abstract: A system for routing electronic account data, includes: a first provider of account services having a first user service provider for communicating account data initiated from a first set of users and a first customer service provider for communicating the account data with a first set of customers; a second provider of account services having a second user service provider for communicating account data initiated from a second set of users and a second customer service provider for communicating the account data with a second set of customers; and an electronic account exchange system communicating with the first and second user service providers and the first and second customer service providers, the electronic account exchange system being operable to permit one or more of the first set of users to communicate its account data with one or more of the second set of customers.

Abstract: A switching system for the electronic presentment and payment of bills between a Consumer and a Biller. The system includes an open, interoperable switching network for routing bill summary information between a Biller and a Consumer. Bill summary files are generated by a Bill Service Provider. Consumer Service Providers poll the Bill Service Providers through the switching network for newly generated bill summary files. The bill summary files are routed through the switching network to the appropriate Consumer Service Provider. Customers of the Consumer Service Provider log on to the web site of the Consumer Service Provider to access bill summary data. In addition to viewing the bill summary files electronically, the Consumer can initiate electronic payment of previously presented bills or bills that have not been presented electronically.