Payment reporting systems

• US 10,325,314 B1
• Filed: 04/14/2014
• Issued: 06/18/2019
• Est. Priority Date: 11/15/2013
• Status: Active Grant

• Current Assignee: Consumerinfo.com Incorporated (Experian plc)
• Original Assignee: Consumerinfo.com Incorporated (Experian plc)
• Inventors: Kapczynski, Mark Joseph, Dean, Michael John
• Primary Examiner(s): Wong, Eric T
• Application Number:
  US14/252,701
• Time in Patent Office: 1,891 Days
• Field of Search: 705 35, 705 39, 705 40, 705 42
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof

Abstract

A system is disclosed for reporting payments to one or more credit bureaus according to instructions provided by a consumer. The system may provide the consumer with one or more user interfaces from which the consumer can select one or more options to report payments made to billers. In some embodiments, the reporting options are included as part of a biller'"'"'s website or a bill payment center website. The system may enable faster reporting of payments made to some billers and may report payments made to billers who would not otherwise report payments.

Claims

1. A computing system for displaying a graphical user interface for payment reporting, the computing system comprising:

one or more hardware computer processors; and

one or more storage devices configured to store software instructions configured for execution by the one or more hardware computer processors in order to cause the computing system to;

generate first user interface data configured to be transmitted to a computing device of a particular user, wherein the first user interface data causes the computing device of the particular user to display a first personalized interactive user interface comprising;

an indication of a first payment made to a first third-party entity; and

a first interactive user interface element for reporting one or more payments to a credit bureau, wherein the first interactive user interface element is configured to execute a payment reporting module that communicates with an external billing database;

receive from the computing device of the particular user, an indication of selection of the first interactive user interface element;

in response to receiving the indication of selection of the first interactive user interface element,

accessing one or more payment records for the particular user from the external billing database including a second payment made to a second third-party entity associated with the external billing database;

generate second user interface data;

transmit the second user interface data to the computing device of the particular user, wherein the second user interface data causes the computing device of the particular user to display a second personalized interactive user interface comprising a limited list of data of the one or more payment records, including;

an indication of the first payment;

an indication of the second payment;

a second interactive user interface element for selecting the first and/or second payment; and

a third interactive user interface element for initiating reporting of the selected payments to the credit bureau;

receive an indication that the first or second payment has been reported to one or more credit bureaus; and

transmit, to the first or second third-party entity, an indication that the first or second payment has been reported, respectively.

2. The computing system of claim 1, wherein the computing system is further configured to determine whether or not there is a valid credit agreement between the particular user and the first third-party entity.

3. The computing system of claim 1, wherein the computing system is further configured to:

receive, from the particular user, recurring reporting instructions to report payments automatically in response to receiving indications that respective payments to third-party entities are successfully completed;

receive an indication that a third payment was successfully completed; and

automatically initiate reporting of the third payment to one or more credit bureaus in accordance with the recurring reporting instructions.

4. The computing system of claim 1, wherein the first and second user interface data are provided as part of a website associated with the first third-party entity.

5. The computing system of claim 1, wherein the computing system is further configured to:

receive terms of a credit agreement between the first third-party entity and the particular user; and

determine whether or not there is a valid credit agreement between the particular user and the first third-party entity.

6. The computing system of claim 1, wherein the computing system is further configured to:

receive identification information for the particular user; and

authenticate identity of the particular user.

7. The computing system of claim 1, wherein the particular user includes a business.

8. The computing system of claim 1, wherein the first third-party entity is a reporting entity that reports payment information to a credit bureau.

9. The computing system of claim 1, wherein the second third-party entity is a non-reporting entity that does not report payment information to the credit bureau.

10. A method for displaying a graphical user interface for payment reporting, the method comprising:

generating first user interface data configured to be transmitted to a computing device of a particular user, wherein the first user interface data causes the computing device of the particular user to display a first personalized interactive user interface comprising;

an indication of a first payment made to a first third-party entity; and

a first interactive user interface element for reporting one or more payments to a credit bureau, wherein the first interactive user interface element is configured to execute a payment reporting module that communicates with an external billing database;

receiving from the computing device of the particular user, an indication of selection of the first interactive user interface element;

in response to receiving the indication of selection of the first interactive user interface element,

accessing one or more payment records for the particular user from the external billing database including a second payment made to a second third-party entity associated with the external billing database;

generating second user interface data;

transmitting the second user interface data to the computing device of the particular user, wherein the second user interface data causes the computing device of the particular user to display a second personalized interactive user interface comprising a limited list of data of the one or more payment records, including;

an indication of the first payment;

an indication of the second payment;

a second interactive user interface element for selecting the first and/or second payment; and

a third interactive user interface element for initiating reporting of the selected payments to the credit bureau;

receiving an indication that the first or second payment has been reported to one or more credit bureaus; and

transmitting, to the first or second third-party entity, an indication that the first or second payment has been reported, respectively.

11. A non-transitory computer storage medium storing computer-executable instructions that, when executed by a processor, cause the processor to:

generate first user interface data configured to be transmitted to a computing device of a particular user, wherein the first user interface data causes the computing device of the particular user to display a first personalized interactive user interface comprising;

an indication of a first payment made to a first third-party entity; and

a first interactive user interface element for reporting one or more payments to a credit bureau, wherein the first interactive user interface element is configured to execute a payment reporting module that communicates with an external billing database;

receive from the computing device of the particular user, an indication of selection of the first interactive user interface element;

in response to receiving the indication of selection of the first interactive user interface element,

access one or more payment records for the particular user from the external billing database including a second payment made to a second third-party entity associated with the external billing database;

generate second user interface data;

transmit the second user interface data to the computing device of the particular user, wherein the second user interface data causes the computing device of the particular user to display a second personalized interactive user interface comprising a limited list of data of the one or more payment records, including;

an indication of the first payment;

an indication of the second payment;

a second interactive user interface element for selecting the first and/or second payment; and

a third interactive user interface element for initiating reporting of the selected payments to the credit bureau;

receive an indication that the first or second payment has been reported to one or more credit bureaus; and

transmit, to the first or second third-party entity, an indication that the first or second payment has been reported, respectively.

12. The non-transitory computer storage medium of claim 11, wherein the computer-executable instructions are further configured to cause the processor to determine whether or not there is a valid credit agreement between the particular user and the first third-party entity.

13. The non-transitory computer storage medium of claim 11, wherein the computer-executable instructions are further configured to cause the processor to:

receive, from the particular user, recurring reporting instructions to report payments automatically in response to receiving indications that respective payments to third-party entities are successfully completed;

receive an indication that a third payment was successfully completed; and

automatically initiate reporting of the third payment to one or more credit bureaus in accordance with the recurring reporting instructions.

14. The non-transitory computer storage medium of claim 11, wherein the first and second user interface data are provided as part of a website associated with the first third-party entity.

15. The non-transitory computer storage medium of claim 11, wherein the computer-executable instructions are further configured to cause the processor to:

receive terms of a credit agreement between the first third-party entity and the particular user; and

determine whether or not there is a valid credit agreement between the particular user and the first third-party entity.