Various models of electronic bill payment and presentment

1. EBPP:
ELECTRONIC BILL
PRESENTMENT AND
PAYMENT

2. EBPP
Electronic Bill Presentment and Payment (EBPP) is
the electronic presentation of statements, bills,
invoices, and related information sent by a
company to its customers, and corresponding
payment for goods or services.

3. Participants

4. Biller- An entity that bills a Customer.

Customer- The party that receives the bill. Could be a consumer or

a business.
Biller Service Provider (BSP) - An agent of the Biller that provides

services such as bill formatting, data parsing, bill hosting and bill
consolidation.
Customer Service Provider (CSP) - An agent of the Customer that

provides service access. Could be a personal finance management
software, direct banking site, or a Customer aggregator
Biller Payment Provider (BPP) - Processes payment and remittance

information on behalf of the Biller.
Customer Payment Provider (CPP)- Processes payment and

remittance information on behalf of the Customer, could be the
Customer's bank or a third party.
Payment/Remittance Network(s)- Transfers payment and


5. Process
Service Initiation

Presentment

Payment & Remittance


6. Service Initiation
Biller
Service Provider
Customer
(CSP

7. Biller

8. Customer Service
Provider(CSP)

9. Presentment Models
Biller Direct

Third Party Consolidation/Aggregation

Customer Consolidation

Emerging Models


10. Biller Direct

11. Third party consolidation
/aggregation model( Thick and
Thin)
Tyh


12. Customer Consolidation model

13. Payments
Biller Originated

Customer Originated

Third-Party Originated


14. Biller Originated

15. Customer Originated

16. Third party originated

17. Consumer Benefits
Direct control over the timing and amount of the

payment
A savings on the cost of checks, postage and

envelopes
Simplify bill payment processing and record

retention
Centralize and streamline all bill payment

functions and storage on their computer
Review bills and make payments when they want,

24 hours a day
Reduction or elimination of paper filing and


18. Biller benefits
Improve customer service

Leverage the delivery power of the Internet

Provide a unique opportunity to touch your

customers in a new medium
Create one-to-one marketing opportunities

Integrate with existing automated billing and

payment functions, such as cash management
and accounts receivable
Reduce billing and payments processing expense

Customer retention

Improve cash flow and posting time


19. Sample online bills

21. Examples
www.bsnl.co.in
www.icicibank.com
www.billjunction.com