US5832460A — Method and system for bill presentation and payme…

Claim 1

Independent Claim 102 words

A method of electronically providing bill payment services for presenting bills to the customer for payment by a bank having customer's funds, the steps of the method comprising: receiving a plurality of bills for multiple customers from at least one bill originator; sorting the bills by customer; presenting electronically bills addressed to a customer to that customer in response to the customer's use of the payment service; receiving electronically a payment instruction from a customer who is paying a bill; initiating an order to the customer's bank to pay the bill; and providing a record of the customer's payment of the bill.

Claim 2

Independent Claim 102 words

A method of electronically providing bill payment services for presenting bills to the customer for payment by a bank having customer's funds, the steps of the method comprising: receiving a plurality of bills for multiple customers from at least one bill originator; sorting the bills by customer; presenting electronically bills addressed to a customer to that customer in response to the customer's use of the payment service; receiving electronically a payment instruction from a customer who is paying a bill; initiating an order to the customer's bank to pay the bill; and providing a record of the customer's payment of the bill.

Claim 3

Dependent Claim 38 words

A method of providing bill payment services including the steps of claim 1 wherein the step of presenting bills to the customer includes a computer program for assembling variable information of a bill with a general bill template.

Claim 4

Dependent Claim 34 words

A method of providing bill payment services including the steps of claim 2 wherein the step of assembling of the variable information includes retrieving template information which is stored locally within the customer's system.

Claim 5

Dependent Claim 30 words

A method of providing bill payment services including the steps of claim 1 wherein the step of presenting includes a graphical user interface showing the bills addressed to the customer.

Claim 6

Dependent Claim 40 words

A method of providing bill payment services including the steps of claim 1 wherein the step of providing a record of payment includes the step of providing the bill originator an electronic message including the details of the bill presented.

Claim 7

Independent Claim 218 words

A method of electronic presentment and payment of bills originated by a bill originator and presented to bill payers, the method comprising the steps of: creating bills in electronic form for transmission as electronic messages from a bill originator to an electronic bill presenter, transmitting bills in electronic form from a bill originator to an electronic bill presenter, sorting bills received by the electronic bill presenter according to bill payers identified in the electronic messages, presenting bills to bill payers connected to the electronic bill presenter in the form of electronic messages by transmitting electronic messages from the electronic bill presenter to identified bill payers, receiving payment instructions at the electronic bill presenter from bill payers instructing payment of electronic bills received from the electronic bill presenter, transmitting a payment order from the electronic bill presenter to a bill payer's bank, the payment order consistent with payment instructions received from a bill payer to transfer payment of an electronically presented bill from the bill payer's bank directly to a bill originator's bank, and notifying the bill originator by electronic message from the electronic bill presenter of transmission of a payment order from the electronic bill presenter to a bill payer's bank to transfer a payment directly to a bill originator's bank in payment of an electronically presented bill.

Claim 8

Independent Claim 218 words

A method of electronic presentment and payment of bills originated by a bill originator and presented to bill payers, the method comprising the steps of: creating bills in electronic form for transmission as electronic messages from a bill originator to an electronic bill presenter, transmitting bills in electronic form from a bill originator to an electronic bill presenter, sorting bills received by the electronic bill presenter according to bill payers identified in the electronic messages, presenting bills to bill payers connected to the electronic bill presenter in the form of electronic messages by transmitting electronic messages from the electronic bill presenter to identified bill payers, receiving payment instructions at the electronic bill presenter from bill payers instructing payment of electronic bills received from the electronic bill presenter, transmitting a payment order from the electronic bill presenter to a bill payer's bank, the payment order consistent with payment instructions received from a bill payer to transfer payment of an electronically presented bill from the bill payer's bank directly to a bill originator's bank, and notifying the bill originator by electronic message from the electronic bill presenter of transmission of a payment order from the electronic bill presenter to a bill payer's bank to transfer a payment directly to a bill originator's bank in payment of an electronically presented bill.

Claim 9

Dependent Claim 50 words

The method of claim 6 further comprising the step of transferring a payment from the bill payer's bank to the bill originator's bank in accordance with payment instructions received by the electronic bill presenter from a bill payer and transmitted from the electronic bill presenter to a bill payer's bank.

Claim 10

Dependent Claim 39 words

The method of claim 7 further comprising the step of sending a message from the bill originator's bank to the bill originator confirming receipt of a payment from a bill payer's bank as payment of an electronically presented bill.

Claim 11

Dependent Claim 43 words

The method of claim 6 wherein multiple bill originators are electronically connected to the electronic bill presenter for transmission of bills as electronic messages, and multiple hills from multiple bill originators are collectively presented by the electronic bill presenter to a bill payer.

Claim 12

Dependent Claim 29 words

The method of claim 6 further comprising the step of reconciling payment instructions processed by the electronic bill presenter with notification of payments received by a bill originator's bank.

Claim 13

Dependent Claim 38 words

The method of claim 6 further comprising the step of creating electronic bills by combining bill data received from a bill originator with a bill template adapted to contain and present data of bills to individual bill payers.

Claim 14

Dependent Claim 25 words

The method of claim 11 further comprising the step of combining data of multiple bills for an individual bill payer with a single bill template.

Claim 15

Dependent Claim 27 words

The method of claim 11 further comprising the step of generating graphical representations of bill data combined with a bill template for presentation to a bill payer.

Claim 16

Dependent Claim 38 words

The method of claim 11 further comprising the step of generating a bill payment data entry format in a graphical form of a check for presentation to a bill payer for entry and transmission of bill payment data.

Claim 17

Dependent Claim 40 words

The method of claim 11 further comprising the step of generating graphical control functions for display with said template and bill data whereby a bill payer controls electronic bill presentation, payment and records by selection of said graphics control functions.

Claim 18

Dependent Claim 25 words

The method of claim 11 further comprising the step of generating graphical representations of records of bills presented or paid via the electronic bill presenter.

Claim 19

Dependent Claim 44 words

The method of claim 12 wherein a bill originator performs the steps of creating a bill template adapted to contain and present electronic bills to bill payers, and transmits the bill template to the electronic bill payer for storage in a bill template database.

Claim 20

Dependent Claim 47 words

The method of claim 6 further comprising the step of initiating transmission of electronic messages from the electronic bill presenter to a bill payer upon receipt of a request from a bill payer via a connection with the electronic bill presenter for electronic presentation of a bill.

Claim 21

Independent Claim 177 words

A system for electronic presentation, payment and reconciliation of bills, the system comprising: an electronic bill presenter in electronic communication with at least one bill originator and a plurality of bill payers, the electronic bill, presenter operative to receive bill data from a bill originator in the form of an electronic message, the electronic bill presenter further operative to create electronic bills for graphical presentation to bill payers by combining bill data with a graphical bill template, the electronic bill presenter further operative to transmit to bill payers identified by said bill data graphical representations of electronic bills from bill originators, the electronic bill presenter further operative to receive bill payment instructions from a bill payer to authorize a bill payer's bank to transfer a payment to a bill originator's bank in payment of an electronic bill, the electronic bill presenter further operative to transmit a message to a bill originator notifying the bill originator of receipt of payment authorization from a bill payer to which a bill originator's bill was presented by the electronic bill presenter.

Claim 22

Independent Claim 177 words

A system for electronic presentation, payment and reconciliation of bills, the system comprising: an electronic bill presenter in electronic communication with at least one bill originator and a plurality of bill payers, the electronic bill, presenter operative to receive bill data from a bill originator in the form of an electronic message, the electronic bill presenter further operative to create electronic bills for graphical presentation to bill payers by combining bill data with a graphical bill template, the electronic bill presenter further operative to transmit to bill payers identified by said bill data graphical representations of electronic bills from bill originators, the electronic bill presenter further operative to receive bill payment instructions from a bill payer to authorize a bill payer's bank to transfer a payment to a bill originator's bank in payment of an electronic bill, the electronic bill presenter further operative to transmit a message to a bill originator notifying the bill originator of receipt of payment authorization from a bill payer to which a bill originator's bill was presented by the electronic bill presenter.

Claim 23

Dependent Claim 24 words

The system of claim 19 wherein said electronic bill presenter further comprises a data base for receiving and storing bill data from bill originators.

Claim 24

Dependent Claim 32 words

The system of claim 19 wherein said electronic bill presenter further comprises a template data base for receiving and storing bill templates combinable with bill data to create graphical presentations of bills.

Claim 25

Dependent Claim 61 words

The system of claim 19 wherein the electronic bill presenter further comprises a program for generating graphical representations of bill templates and combining bill data retrieved from a bill data base with a bill template to create a graphical representation of an electronic bill, and transmitting a graphical representation of an electronic bill to a display device of a bill payer.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	2001-11-02	2002-05-04	2002-11-03	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	2005-11-02	2006-05-04	2006-11-03	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	2009-11-02	2010-05-04	2010-11-03	$7700.00	Window Closed / Lapsed

Method and system for bill presentation and payment reconciliation

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