User interface for a biller directory and payments engine

Abstract

A computing device comprises a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application, where the instructions cause the computing device to receive a data set comprising a plurality of billers from a biller exchange computing system, receive an authentication token from the biller exchange computing system, query a computing device property of the computing system, render an optimized version of the biller exchange bill pay application, display a user-interactive page comprising at least one user-interactive control where the at least one user-interactive control comprises at least one property dynamically populated based on the data set comprising the plurality of biller, and perform computing operations specified by the at least one property of the at least one user-interactive control using the authentication token and responsive to detecting a user interaction with the at least one user-interactive control.

What is claimed is: 
     
         1 . A computing device comprising a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application, the instructions, when executed by the processing resource, causing the computing device to:
 receive, from a biller exchange computing system, a data set comprising a plurality of billers, each of the plurality of billers associated with a respective biller computing system and subscribed to a biller exchange structured to allow each of the plurality of billers to deliver and receive payment on customer bills via the biller exchange computing system;   receive, from the biller exchange computing system, an authentication token generated by the biller exchange computing system, the authentication token structured to allow the biller exchange bill pay application to access aspects of at least one biller computing system;   query a computing device property of the computing system;   render, responsive to the computing device property satisfying a predetermined criteria, an optimized version of the biller exchange bill pay application;   display a user-interactive page comprising at least one user-interactive control, the at least one user-interactive control comprising at least one property dynamically populated based on the data set comprising the plurality of billers; and   perform, using the authentication token and responsive to detecting a user interaction with the at least one user-interactive control, computing operations specified at least in part by the at least one property of the at least one user-interactive control.   
     
     
         2 . The computing device of  claim 1 , wherein rendering the optimized version of the biller exchange bill pay application comprises rendering particular user-interactive items on the user-interactive page. 
     
     
         3 . The computing device of  claim 1 , wherein the authentication token is one of (i) extended based on a biller-specific authentication policy or (ii) time-limited. 
     
     
         4 . The computing device of  claim 1 , wherein the instructions further cause the computing device to:
 responsive to detecting a second user interaction with a user-interactive item on the at least one user-interactive control, the user-interactive item associated with at least one of a biller of the plurality of billers or the at least one biller computing system, determine, based on the at least one property, a biller identifier;   display, within the user-interactive page, a biller login page; and   cause the at least one biller computing system, responsive to detecting a successful login attempt on the biller login page, to provide a biller account data set and display the biller account data set within the user-interactive page.   
     
     
         5 . The computing device of  claim 4 , wherein the instructions further cause the computing device to, based on the biller identifier, determine a uniform resource locator (URL) for the biller login page. 
     
     
         6 . The computing device of  claim 4 , wherein the instructions further cause the computing device to:
 display an access scope definition control for at least one account in the biller account data set; and   responsive to detecting a third user interaction with the access scope definition control, cause an access scope definition item of the biller account data set to be associated with the authentication token, wherein the access scope definition item prevents the biller exchange bill pay application from accessing a particular feature of the at least one biller computing system.   
     
     
         7 . The computing device of  claim 4 , wherein the instructions further cause the computing device to cause the biller exchange computing system to store the authentication token relationally to the biller identifier, a user identifier, and an account identifier. 
     
     
         8 . The computing device of  claim 4 , wherein the instructions further cause the computing device to:
 responsive to detecting a third user interaction with a second user-interactive item on the at least one user-interactive control, retrieve, from data storage media, at least one authentication token stored relationally to the biller identifier; and   expire the at least one authentication token, comprising performing at least one of deactivating the at least one authentication token or deleting the at least one authentication token.   
     
     
         9 . The computing device of  claim 8 , wherein the instructions further cause the computing device to cause the biller exchange computing system to generate a second authentication token, the second authentication token structured to enable use of the biller exchange bill pay application for an account previously associated with the at least one authentication token. 
     
     
         10 . The computing device of  claim 1 , wherein the instructions further cause the computing device to:
 responsive to detecting a second user interaction with a user-interactive item on the at least one user-interactive control, determine, based on the at least one property, a biller identifier identifying a biller;   based on the biller identifier, retrieve at least one authentication token linking a user and the biller;   generate a bill inquiry message comprising the at least one authentication token and cause a transmission of the bill inquiry message to the at least one biller computing system; and   responsive to receiving a bill data set from the at least one biller computing system, the bill data set generated in response to the bill inquiry message, display, within the user-interactive page, the bill data set.   
     
     
         11 . The computing device of  claim 10 , wherein the bill data set comprises at least one user-interactive bill, the at least one user-interactive bill comprising at least one of biller information, a due date, or an amount due. 
     
     
         12 . The computing device of  claim 11 , wherein the at least one user-interactive bill comprises a plurality of user-interactive bills ordered based on at least one of a bill category or a bill age. 
     
     
         13 . The computing device of  claim 12 , wherein the instructions further cause the computing device to:
 generate a scrollable control comprising the plurality of user-interactive bills; and   add the scrollable control to the user-interactive page.   
     
     
         14 . The computing device of  claim 13 , wherein the instructions further cause the computing device to:
 responsive to detecting a third user interaction with a user-interactive bill of the plurality of user-interactive bills, remove the user-interactive bill from the scrollable control; and   flag the user-interactive bill to be included in the scrollable control after a predetermined amount of time.   
     
     
         15 . The computing device of  claim 13 , wherein the instructions further cause the computing device to:
 responsive to detecting a third user interaction with a user-interactive bill of the plurality of user-interactive bills, determine the due date and the amount due from the user-interactive bill; and   initiate a payment transaction based on the amount due and the due date.   
     
     
         16 . The computing device of  claim 15 , wherein the instructions further cause the computing device to:
 responsive to detecting a fourth user interaction with the user-interactive bill;   display an auto-pay setup page; and   based on detecting a fifth user interaction with the auto-pay setup page, schedule a periodic payment transaction according to criteria specified by the user using the auto-pay setup page.   
     
     
         17 . The computing device of  claim 1 , wherein the instructions further cause the computing device to:
 generate, responsive to receiving a notification comprising a bill data set from the at least one biller computing system, a push notification comprising at least one user-interactive bill generated based on the bill data set; and   display, within the user-interactive page, the push notification comprising the at least one user-interactive bill.   
     
     
         18 . The computing device of  claim 1 , wherein the at least one user-interactive control is structured to execute operations responsive to receiving at least one touch command via a display of the computing device. 
     
     
         19 . A method comprising:
 receiving, from a biller exchange computing system, a data set comprising a plurality of billers, each of the plurality of billers associated with a respective biller computing system and subscribed to a biller exchange structured to allow each of the plurality of billers to deliver and receive payment on customer bills via the biller exchange computing system;   receiving, from the biller exchange computing system, an authentication token generated by the biller exchange computing system, the authentication token structured to allow the biller exchange bill pay application to access aspects of at least one biller computing system;   querying a computing device property of the computing system;   rendering, responsive to the computing device property satisfying a predetermined criteria, an optimized version of the biller exchange bill pay application;   displaying a user-interactive page comprising at least one user-interactive control, the at least one user-interactive control comprising at least one property dynamically populated based on the data set comprising the plurality of billers; and   performing, using the authentication token and responsive to detecting a user interaction with the at least one user-interactive control, computing operations specified at least in part by the at least one property of the at least one user-interactive control.   
     
     
         20 . A computing device comprising a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application, the instructions, when executed by the processing resource, causing the computing device to:
 receive, from a biller exchange computing system, a data set comprising a plurality of billers, each of the plurality of billers associated with a respective biller computing system;   receive, from the biller exchange computing system, an authentication token generated by the biller exchange computing system, the authentication token structured to allow the biller exchange bill pay application to access aspects of at least one biller computing system;   query a computing device property of the computing system;   render, based on the computing device property, an optimized version of the biller exchange bill pay application;   display a user-interactive page comprising at least one user-interactive control, the at least one user-interactive control comprising at least one property populated based on the data set comprising the plurality of billers; and   perform, using the authentication token and responsive to detecting a user interaction with the at least one user-interactive control, computing operations specified at least in part by the at least one property of the at least one user-interactive control.