Methods and systems consistent with the present invention provide real-time customer profile and billing information in an IBPP environment. Specifically, in a bill presentment and payment system with a scheduled time to communicate billing information with a set of billers, customer registration information,...http://www.google.de/patents/US7752130?utm_source=gb-gplus-sharePatent US7752130 - Methods and systems for delivery of information upon enrollment in an internet bill presentment and payment environment