Consumer-based system and method for managing and paying electronic billing statements

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 7610245
APP PUB NO 20050065883A1
SERIAL NO

10989084

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e.g., a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest. When the consumer desires to pay a particular bill, the bill is presented to the consumer through a graphical user interface (UI). The bill management and payment system supports a payment analyzer to enable the consumer to determine how much of the electronic bill to pay. The payment analyzer provides a venue to challenge certain items on the bill.

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Patent Owner(s)

Patent OwnerAddressTotal Patents
MICROSOFT TECHNOLOGY LICENSING, LLCREDMOND, WA29776

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Dent, Warren T Camano Island , US 11 1229
Kaethler, Judy Redmond , US 4 472
Remington, Darren B Issaquah , US 23 2157
Saliba, Bassam A Issaquah , US 13 816

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* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (3)
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Other [Check patent profile for assignment information] (1)
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Maintenance Fees

Fee Large entity fee small entity fee micro entity fee due date
7.5 Year Payment $3600.00 $1800.00 $900.00 Apr 27, 2017
11.5 Year Payment $7400.00 $3700.00 $1850.00 Apr 27, 2021
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Surcharge - 7.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge - 11.5 year - Late payment within 6 months $160.00 $80.00 $40.00
Surcharge after expiration - Late payment is unavoidable $700.00 $350.00 $175.00
Surcharge after expiration - Late payment is unintentional $1,640.00 $820.00 $410.00