US Patent No: 7,610,245

Number of patents in Portfolio can not be more than 2000

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

ALSO PUBLISHED AS: 20050065883

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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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First Claim

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Patent Owner(s)

Patent OwnerAddressTotal Patents
MICROSOFT TECHNOLOGY LICENSING, LLCREDMOND, WA22788

International Classification(s)

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  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Dent, Warren T Redmond, WA 17 1104
Kaethler, Judy Redmond, WA 6 428
Remington, Darren B Issaquah, WA 29 1852
Saliba, Bassam A Kirkland, WA 13 709

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* Cited By Examiner

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
KILPAUK GARDEN, SERIES 64 OF ALLIED SECURITY TRUST I (3)
7,970,722 System, method and computer program product for a collaborative decision platform 2 2009
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THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (2)
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* Cited By Examiner

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
Fee Large entity fee small entity fee micro entity fee
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