Method and system using bill payment reminders

• US 20070083465A1
• Filed: 01/10/2006
• Published: 04/12/2007
• Est. Priority Date: 10/07/2005
• Status: Abandoned Application

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Ciurea, Peter, Mendiara, Peter, Aguas, Christopher
• Application Number:
  US11/329,929
• Publication Number:
  US 20070083465A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A method for automatic bill payment is disclosed. The method includes providing for an automatic bill payment process for a user of a portable consumer device, where the automatic bill payment process automatically pays periodic bills of the user at predetermined times. The method also includes providing for an automatic reminder process, where the automatic reminder process automatically sends reminders to the user of the portable consumer device prior to the automatic payment of the bills at the predetermined time intervals.

Claims

1. A method comprising:

providing for an automatic bill payment process for a user of a portable consumer device, wherein the automatic bill payment process automatically pays periodic bills of the user at predetermined times; and

providing for an automatic reminder process, wherein the automatic reminder process automatically sends reminders to the user of the portable consumer device prior to the automatic payment of the bills at the predetermined times.

2. The method of claim 1 further comprising:

providing for an automatic bill payment notification process, wherein the automatic bill payment notification process automatically notifies the user that the automatic payment of the bills at the predetermined times has occurred.

3. The method of claim 1 wherein the automatic bill payment process uses an account number associated with the user'"'"'s portable consumer device.

4. The method of claim 1 wherein the portable consumer device is in the form of a credit card or a debit card.

5. The method of claim 1 wherein the predetermined times are at monthly intervals or other intervals.

6. The method of claim 1 wherein the reminders are posted on a Web page accessible to the user.

7. The method of claim 1 wherein the reminders are e-mail reminders sent to the user'"'"'s e-mail account.

8. A computer readable medium comprising computer code for performing the method of claim 1.

9. A server computer comprising the computer readable medium of claim 8.

10. A system comprising:

the server computer of claim 9;

and

one or more client computers in operative communication with the server computer.

11. A method comprising:

initiating an automatic bill payment process, wherein the automatic bill payment process automatically pays periodic bills of a user of a portable consumer device at predetermined times; and

initiating an automatic reminder process, wherein the automatic reminder process automatically sends reminders to the user prior to the automatic payment of the bills at the predetermined times.

12. The method of claim 11 further comprising:

selecting an automatic bill payment notification process, wherein the automatic bill payment notification process automatically notifies the user that the automatic payment of the bills at the predetermined times has occurred

13. The method of claim 11 wherein the automatic bill payment process uses an account number associated with the user'"'"'s portable consumer device.

14. The method of claim 11 wherein the portable consumer device is in the form of a credit card or a debit card.

15. The method of claim 11 further comprising:

viewing the reminders on a Web page accessible to the user

16. The method of claim 11 wherein the reminders are e-mail reminders sent to the user'"'"'s e-mail account.

17. A computer readable medium comprising computer code for performing the method of claim 11.

18. A server computer comprising the computer readable medium of claim 17.

19. A system comprising:

the server computer of claim 11;

and

one or more client computers in operative communication with the server computer.