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

Stats

ATTORNEY / AGENT: (SPONSORED)

Importance

Loading Importance Indicators... loading....

Abstract

See full text

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.

Loading the Abstract Image... loading....

First Claim

See full text

all claims..

Related Publications

Loading Related Publications... loading....

Patent Owner(s)

Patent OwnerAddressTotal Patents
MICROSOFT CORPORATIONREDMOND, WA29040

International Classification(s)

  • [Classification Symbol]
  • [Patents Count]

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Dent, Warren T Redmond, WA 17 1082
Kaethler, Judy Redmond, WA 6 418
Remington, Darren B Issaquah, WA 27 1796
Saliba, Bassam A Kirkland, WA 13 681

Cited Art Landscape

Patent Info (Count) # Cites Year
 
VISA INTERNATIONAL SERVICE ASSOCIATION (7)
4,701,601 Transaction card with magnetic stripe emulator 389 1985
4,734,564 Transaction system with off-line risk assessment 144 1985
5,477,038 Method and apparatus for distributing currency 441 1993
5,465,206 Electronic bill pay system 763 1993
5,920,847 Electronic bill pay system 693 1996
5,963,925 Electronic statement presentment system 425 1997
6,408,284 Electronic bill pay system for consumers to generate messages directing financial institutions to pay a biller's bill 194 1999
 
MICROSOFT CORPORATION (6)
5,655,089 Method for the consolidation summarization and transmission of a plurality of mailable materials 96 1992
6,058,373 System and method for processing electronic order forms 252 1996
6,070,150 Electronic bill presentment and payment system 430 1996
6,138,112 Test generator for database management systems 69 1998
6,304,857 Distributed electronic billing system with gateway interfacing biller and service center 134 1998
6,968,319 Electronic bill presentment and payment system with bill dispute capabilities 49 1999
 
INTERNATIONAL BUSINESS MACHINES CORPORATION (5)
5,532,920 Data processing system and method to enforce payment of royalties when copying softcopy books 416 1994
6,026,374 System and method for generating trusted descriptions of information products 74 1996
6,240,444 Internet web page sharing 209 1996
7,386,522 Optimizing the performance of computer tasks using intelligent agent with multiple program modules having varied degrees of domain knowledge 10 1998
6,493,685 Electronic account presentation and response system and method 300 1999
 
CHECKFREE CORPORATION (3)
5,383,113 System and method for electronically providing customer services including payment of bills, financial analysis and loans 623 1991
6,055,567 Distributed data accessing technique 66 1998
6,289,322 Electronic bill processing 360 1998
 
CSG SYSTEMS, INC. (3)
5,978,577 Method and apparatus for transaction processing in a distributed database system 140 1995
5,761,650 Billing system and method 88 1995
6,493,680 Method and apparatus for processing billing transactions 30 1998
 
HEWLETT-PACKARD COMPANY (3)
5,963,924 System, method and article of manufacture for the use of payment instrument holders and payment instruments in network electronic commerce 298 1996
5,978,840 System, method and article of manufacture for a payment gateway system architecture for processing encrypted payment transactions utilizing a multichannel, extensible, flexible architecture 318 1996
5,974,146 Real time bank-centric universal payment system 259 1997
 
EBAY INC. (2)
5,832,460 Method and system for bill presentation and payment reconciliation 331 1995
6,035,281 System and method of multiparty billing for Web access 406 1997
 
FIVE 2 SOLUTIONS LIMITED LIABILITY COMPANY (2)
5,265,033 ATM/POS based electronic mail system 388 1991
5,473,143 ATM/POS based electronic mail system 301 1993
 
HEWLETT-PACKARD DEVELOPMENT COMPANY, L.P. (2)
5,781,550 Transparent and secure network gateway 279 1996
6,373,950 System, method and article of manufacture for transmitting messages within messages utilizing an extensible, flexible architecture 238 1996
 
INTUIT INC. (2)
5,842,185 Method and system for electronically tracking financial transactions 93 1994
5,903,881 Personal online banking with integrated online statement and checkbook user interface 498 1997
 
Midwest Payment Systems (2)
5,649,117 System and method for paying bills and other obligations including selective payor and payee controls 430 1994
5,956,700 System and method for paying bills and other obligations including selective payor and payee controls 365 1997
 
MOTOROLA, INC. (2)
4,979,207 Method of processing cellular telephone call detail data for billing multi-line customers for cellular telephone services 92 1990
5,027,388 Method of selecting the most cost effective cellular service plan provided by cellular telephone resellers to multi-line customers 100 1990
 
PAYMENT SYSTEMS TECHNOLOGY, INC. (2)
4,948,174 Financial data processing system 286 1989
5,121,945 Financial data processing system 276 1990
 
STARGAZER SOFTWARE, LIMITED LIABILITY COMPANY (2)
5,483,445 Automated billing consolidation system and method 418 1993
5,684,965 Automated billing consolidation system and method 204 1995
 
SUN MICROSYSTEMS, INC. (2)
5,848,400 Electronic check exchange, clearing and settlement system 205 1996
5,884,288 Method and system for electronic bill payment 358 1996
 
ARACHNID, INC. (1)
5,197,094 System for remotely crediting and billing usage of electronic entertainment machines 175 1990
 
AT&T Bell Laboratories (1)
5,223,699 Recording and billing system 133 1990
 
BMC RESOURCES, INC. (1)
5,652,786 Automated interactive bill payment system 268 1996
 
CENTILLION DATA SYSTEMS, LLC (1)
5,287,270 Billing system 155 1992
 
CITIBANK, N.A. (1)
5,557,518 Trusted agents for open electronic commerce 843 1994
 
Compucom Communications Corp. (1)
5,325,290 Billing system with data indexing 241 1991
 
CONTINENTAL CABLEVISION, INC. (1)
5,884,284 Telecommunication user account management system and method 244 1997
 
CURSYS, INC. (NOW CURRENCY SCIENTIFIC INC.) (1)
5,420,405 Secure, automated transaction system that supports an electronic currency operating in mixed debit & credit modes 291 1993
 
DATABURST, L.L.C. (1)
5,007,084 Payment Authorization and Information Device 109 1988
 
EVANS & SUTHERLAND COMPUTER CORPORATION (1)
5,574,847 Computer graphics parallel system with temporal priority 40 1993
 
FLEETBOSTON FINANCIAL CORPORATION (1)
5,677,955 Electronic funds transfer instruments 984 1995
 
FUJITSU LIMITED (1)
5,508,817 Electronic mail accounting system 126 1993
 
GRAPHIC PACKAGING INTERNATIONAL, INC. (1)
6,292,789 Method and system for bill presentment and payment 285 1998
 
H-Renee, Incorporated (1)
4,992,940 System and method for automated selection of equipment for purchase through input of user desired specifications 1208 1989
 
HEMISPHERE SOLUTIONS N.A., L.L.C. (1)
5,933,811 System and method for delivering customized advertisements within interactive communication systems 997 1996
 
HOME ACCOUNT NETWORK, INC. (1)
5,644,727 System for the operation and management of one or more financial accounts through the use of a digital communication and computation system for exchange, investment and borrowing 591 1994
 
INTELLECTUAL VENTURES I LLC (1)
6,219,669 File transfer system using dynamically assigned ports 206 1998
 
Jocatek, Inc. (1)
5,638,522 Graphically constructed control and scheduling system 36 1995
 
JPMORGAN CHASE BANK, N.A. (1)
5,424,938 Method and apparatus for providing access to a plurality of payment networks 261 1992
 
Kastle Aktiengesellschaft (1)
5,848,800 Ski 8 1997
 
M & R Industries, Inc. (1)
4,839,504 IC card system compatible with bank account system 166 1987
 
MANNESMANN VDO AG (1)
6,233,602 Dynamically allocating server processes to client processes 12 1998
 
MASTERCARD INTERNATIONAL INCORPORATED (1)
5,699,528 System and method for bill delivery and payment over a communications network 998 1995
 
Missions Marketing, Inc. (1)
5,229,584 Encounter billing system 39 1991
 
Mordechai Teicher (1)
5,206,488 Credit card system including a central unit and a plurality of local units for conducting low-cost transactions 194 1989
 
NATIONAL RURAL TELECOMMUNICATIONS COOPERATIVE (1)
4,893,248 Monitoring and reporting system for remote terminals 275 1987
 
NCR CORPORATION (1)
5,848,412 User controlled browser identification disclosing mechanism 164 1996
 
OFFICIAL PAYMENTS CORPORATION (1)
5,870,724 Targeting advertising in a home retail banking delivery service 447 1995
 
ONLINE RESOURCES CORPORATION (1)
5,220,501 Method and system for remote delivery of retail banking services 1371 1989
 
PANASONIC CORPORATION OF NORTH AMERICA (1)
5,550,984 Security system for preventing unauthorized communications between networks by translating communications received in ip protocol to non-ip protocol to remove address and routing services information 402 1994
 
PERSONAL AUDIO LLC (1)
6,199,076 Audio program player including a dynamic program selection controller 406 1996
 
PITNEY BOWES INC. (1)
4,949,272 Flexible billing rate for mail communication systems 69 1988
 
QUAD TELL CO. LIMITED LIABILITY COMPANY (1)
6,073,143 Document conversion system including data monitoring means that adds tag information to hyperlink information and translates a document when such tag information is included in a document retrieval request 64 1996
 
QUALIQODE, LLC (1)
6,058,413 Method and apparatus for utilizing a standard transaction format to provide application platform and a medium independent representation and transfer of data for the management of business process and their workflows 78 1997
 
RICOH COMPANY, LTD. (1)
6,209,048 Peripheral with integrated HTTP server for remote access using URL's 109 1996
 
Sapient Solutions, LLC (1)
5,924,077 Computer based system for monitoring and processing data collected at the point of sale of goods and services 80 1995
 
SS&D Corporation (1)
5,402,336 System and method for allocating resources of a retailer among multiple wholesalers 205 1993
 
STRATEGIC PROCESSING CORPORATION (1)
4,799,156 Interactive market management system 1708 1986
 
The Vanguard Group, Inc. (1)
2005/0154,658 System and Method for Automatic Investment Planning 9 1999
 
TTI INVENTIONS C LLC (1)
5,283,829 System and method for paying bills electronically 463 1992
 
UNITED HEALTHCARE CORPORATION (1)
5,359,509 Health care payment adjudication and review system 262 1991
 
V-ONE CORPORATION (1)
5,590,197 Electronic payment system and method 811 1995
 
VISA U.S.A. INC. (1)
4,485,300 Loss control system 96 1982
 
VisaInternational Service Association (1)
6,032,133 Electronic bill pay system 393 1995
 
WAM!NET, INC. (1)
6,044,405 Service network incorporating geographically-remote hubs linked by high speed transmission paths 67 1996
 
Watson; Craig Michael (1)
5,978,780 Integrated bill consolidation, payment aggregation, and settlement system 336 1997
 
Wegener Internet Projects BV (1)
5,737,533 System for generating a virtual reality scene in response to a database search 113 1995
 
WESTCORP SOFTWARE SYSTEMS, INC. (1)
5,091,868 Method and apparatus for forms generation 50 1988
 
WHI SPUR LIMITED LIABILITY COMPANY (1)
5,764,916 Method and apparatus for real time communication over a computer network 226 1996
 
XYRATEX TECHNOLOGY LIMITED (1)
5,951,648 Reliable event delivery system 39 1997
 
Other [Check patent profile for assignment information] (5)
4,823,264 Electronic funds transfer system 568 1986
4,905,826 Garment bag having telescoping rod 23 1988
5,326,959 Automated customer initiated entry remittance processing system 374 1992
5,570,465 Apparatus, method and system for printing of legal currency and negotiable instruments 306 1994
2004/0167,853 Integrated systems for electronic bill presentment and payment 38 2004

Patent Citation Ranking

Forward Cite Landscape

Patent Info (Count) # Cites Year
 
ALOFT MEDIA, LLC (3)
7,970,722 System, method and computer program product for a collaborative decision platform 2 2009
8,160,988 System, method and computer program product for a collaborative decision platform 0 2010
8,005,777 System, method and computer program product for a collaborative decision platform 15 2010
 
THE CLEARING HOUSE PAYMENTS COMPANY L.L.C. (2)
7,979,348 Payment identification code and payment system using the same 3 2003
8,725,607 Electronic payment clearing and check image exchange systems and methods 0 2004

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