Utility Doc Hub
End-to-End Billing & Payment Flow
Visualization of how utility consumption data becomes a printed bill, how mailed check payments are captured via OCR, and how online portal payments reach the utility.
1
Bill Generation & Mailing
Pull customer usage from the utility API, render statements, print, and mail.
Utility API
Fetch consumption
Generate Bill
PDF render
Print
Batch queue
Mail to Customer
Postal delivery
2
Mailed Check Payment (OCR)
Customer mails a paper check. The mailroom scans it, OCR extracts payment details, and funds are remitted to the utility.
Customer
Mails check
Mailroom
Intake & scan
OCR Engine
Extract MICR & amount
Validation
Match account & balance
Payment Processor
ACH / Check21 submit
Bank Clearing
Funds settled
Utility Company
Posted to account
3
Online Portal Payment
Customer pays through the self-service portal (external). Payment is forwarded to the utility company.
Customer
Logs into portal
Web Portal
Self-service
Tokenize Card / ACH
PCI-safe token
Payment Gateway
Authorize & capture
Processor / Card Network
Settle funds
Merchant Bank
Payout
Utility Company
Posted to account