In a bill payment and presentation system, a method for electronically routing billing information over a communications network is provided, using an open financial exchange communication protocol. The method provides for a centrally located mainframe system and a switching system for coordinating the...http://www.google.ca/patents/US7756786?utm_source=gb-gplus-sharePatent US7756786 - Method and system for processing messages in a bill payment and presentment system over a communications network
