BILL PAYING SYSTEMS AND ASSOCIATED METHODS
First Claim
1. A computer-implemented method of paying a bill on behalf of a user, the method comprising:
- receiving a bill from a vendor for a user, wherein the bill includes an identifier of the user, an identifier of the vendor, and an amount of the bill;
obtaining the user identifier, the vendor identifier, and the bill amount from the bill;
associating the bill with the user based on the user identifier;
associating the bill with the vendor based on the vendor identifier;
determining whether the bill is payable, wherein determining whether the bill is payable includes comparing the bill to stored bill data associated with the user and the vendor; and
when the bill is payable;
obtaining funds from an account of the user and dispersing funds to the vendor to pay the bill; and
storing an indication of the paying of the bill.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods of paying user bills on behalf of a user are described. In one embodiment, the method includes receiving from a vendor a user bill having a user identifier, a vendor identifier, and a bill amount. The method further includes obtaining the user identifier, the vendor identifier, and the bill amount, associating the bill with the user based on the user identifier, and associating the bill with the vendor based on the vendor identifier. The method further includes determining whether the bill is payable, which includes comparing the bill to stored bill data associated with the user and the vendor. When the bill is payable, the method further includes obtaining funds from an account of the user, dispersing funds to the vendor to pay the bill and storing an indication of the paying of the bill.
186 Citations
20 Claims
-
1. A computer-implemented method of paying a bill on behalf of a user, the method comprising:
-
receiving a bill from a vendor for a user, wherein the bill includes an identifier of the user, an identifier of the vendor, and an amount of the bill; obtaining the user identifier, the vendor identifier, and the bill amount from the bill; associating the bill with the user based on the user identifier; associating the bill with the vendor based on the vendor identifier; determining whether the bill is payable, wherein determining whether the bill is payable includes comparing the bill to stored bill data associated with the user and the vendor; and when the bill is payable; obtaining funds from an account of the user and dispersing funds to the vendor to pay the bill; and storing an indication of the paying of the bill. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
-
-
13. A computing system for paying bills, the computing system comprising:
-
a processor; and a computer-readable medium operably coupled to the processor and including instructions that when executed by the processor cause the computing system to perform a method of paying a bill on behalf of a user, the method comprising; receiving a bill from a vendor for a user, wherein the bill includes an identifier of the user, an identifier of the vendor, and an amount of the bill; obtaining the user identifier, the vendor identifier, and the bill amount from the bill; associating the bill with the user based on the user identifier; associating the bill with the vendor based on the vendor identifier; determining whether the bill is payable, wherein determining whether the bill is payable includes comparing the bill to stored bill data associated with the user and the vendor; and when the bill is payable; transferring funds from an account of the user to the vendor to pay the bill; and storing an indication of the paying of the bill. - View Dependent Claims (14, 15, 16, 17, 18)
-
-
19. A computing system for the payment of bills, the computing system comprising:
-
means for receiving a bill from a vendor to a user; means for extracting information from the bill; means for determining whether the bill is payable; means for transferring funds from an account of the user to the vendor; and means for storing an indication of the funds transfer. - View Dependent Claims (20)
-
Specification