Electronic Bill Presentment and Payment

Abstract

The emergence of the Internet has deeply affected the way in which business is conducted. It has simplified transactions between entities by connecting them “virtually.” It has enabled people to transact business online (i.e., order goods and services) as well as pay for them. However, until some time back, although the consumers used their credit cards to pay online, they could not see their credit card invoice online and had to wait for a paper copy of the credit card invoice. This situation was not restricted to credit cards only. Many utility companies like telephone, cable, and water used to send the monthly invoices in the form of a paper copy. This meant that the consumers could know their balance only at the end of the month, had to wait for the paper bill to arrive in the mail, and only then send a check (another paper transaction) to pay for the service. The entire process had a lot of delay designed into it and the information being sent and received by the parties involved was never dynamic.

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