Remote Portal Bill Payment Platform Apparatuses, Methods and Systems
First Claim
1. A bill payment apparatus, comprising:
- a processor; and
a memory disposed in communication with the processor and storing processor-executable instructions to;
obtain a transaction payment postponement request from a user;
wherein the transaction payment postponement request is for postponing a part of a bill; and
wherein the part of the bill is at least one particular item in the bill;
obtain user-provided postponement criteria;
wherein the user-provided postponement criteria includes the temporary postponement payment account balance value repayment period length;
calculate estimated time of repayment score (ETA score);
wherein the ETA score is calculated based on the total repayment period length of all of the user'"'"'s existing temporary postponement payment accounts; and
provide for display user-controlled ETA score recalculations based on the user'"'"'s postponement criteria;
calculate for the user a transaction payment postponement offer based on the user-provided postponement criteria;
provide to the user the transaction payment postponement offer;
obtain authorization for creation of a temporary postponement payment account;
generate via a processor a temporary postponement payment account for the user;
update the temporary postponement payment account with a balance value equivalent to a user-specified postponement payment amount;
receive from the user at least one payment for the temporary postponement payment account balance value;
reduce the value of the balance value based on the at least one payment; and
expire the temporary postponement payment account if the balance value reaches zero;
wherein expiring the temporary postponement payment account comprises deleting the account.
1 Assignment
0 Petitions
Accused Products
Abstract
The REMOTE PORTAL BILL PAYMENT PLATFORM APPARATUSES, METHODS AND SYSTEMS (“Bill Pay”) transforms user bill payment request message via Bill Pay components into transaction bill payment transaction settlements, and/or the like and use of the Bill Pay. In one implementation, a method is disclosed, comprising: obtaining a bill payment transaction request from a bill payment component instantiated within a hosting portal site, said bill payment component being operated independent of a billing party, said bill payment transaction request includes bill information of a bill issued by the biller and payer identifying information; determining a type of the bill payment component; verifying the obtained bill information including a payment amount based on the type of the bill payment component; retrieving payer account information based on the obtained payer identifying information; and transferring an approved amount of funds to the biller'"'"'s account from the payer account.
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Citations
76 Claims
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1. A bill payment apparatus, comprising:
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a processor; and a memory disposed in communication with the processor and storing processor-executable instructions to; obtain a transaction payment postponement request from a user; wherein the transaction payment postponement request is for postponing a part of a bill; and wherein the part of the bill is at least one particular item in the bill; obtain user-provided postponement criteria; wherein the user-provided postponement criteria includes the temporary postponement payment account balance value repayment period length; calculate estimated time of repayment score (ETA score); wherein the ETA score is calculated based on the total repayment period length of all of the user'"'"'s existing temporary postponement payment accounts; and provide for display user-controlled ETA score recalculations based on the user'"'"'s postponement criteria; calculate for the user a transaction payment postponement offer based on the user-provided postponement criteria; provide to the user the transaction payment postponement offer; obtain authorization for creation of a temporary postponement payment account; generate via a processor a temporary postponement payment account for the user; update the temporary postponement payment account with a balance value equivalent to a user-specified postponement payment amount; receive from the user at least one payment for the temporary postponement payment account balance value; reduce the value of the balance value based on the at least one payment; and expire the temporary postponement payment account if the balance value reaches zero; wherein expiring the temporary postponement payment account comprises deleting the account.
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2. A bill payment apparatus, comprising:
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a processor; and a memory disposed in communication with the processor and storing processor-executable instructions to; obtain a transaction payment postponement request from a user; obtain user-provided postponement criteria; calculate for the user a transaction payment postponement offer based on the user-provided postponement criteria; provide to the user the transaction payment postponement offer; obtain authorization for creation of a temporary postponement payment account; generate via a processor a temporary postponement payment account for the user; and update the temporary postponement payment account with a balance value equivalent to a user-specified postponement payment amount. - View Dependent Claims (3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. A bill payment apparatus, comprising:
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a processor; and a memory disposed in communication with the processor and storing processor-executable instructions to; generate via a processor a bill payment lightbox for payment of a user'"'"'s bill to a first billing party; display the bill payment lightbox for the first billing party on a bill payment portal for a second billing party; receive an indication to pay at least a portion of the user'"'"'s bill using the bill payment lightbox; and forward the indication to pay at least a portion of the user'"'"'s bill to the first billing party. - View Dependent Claims (18, 19)
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20. A bill payment system, comprising means for:
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obtaining a transaction payment postponement request from a user; wherein the transaction payment postponement request is for postponing a part of a bill; and wherein the part of the bill is at least one particular item in the bill; obtaining user-provided postponement criteria; wherein the user-provided postponement criteria includes the temporary postponement payment account balance value repayment period length; calculating estimated time of repayment score (ETA score); wherein the ETA score is calculated based on the total repayment period length of all of the user'"'"'s existing temporary postponement payment accounts; and providing for display user-controlled ETA score recalculations based on the user'"'"'s postponement criteria; calculating for the user a transaction payment postponement offer based on the user-provided postponement criteria; providing to the user the transaction payment postponement offer; obtaining authorization for creation of a temporary postponement payment account; generating via a processor a temporary postponement payment account for the user; updating the temporary postponement payment account with a balance value equivalent to a user-specified postponement payment amount; receiving from the user at least one payment for the temporary postponement payment account balance value; reducing the value of the balance value based on the at least one payment; and expiring the temporary postponement payment account if the balance value reaches zero; wherein expiring the temporary postponement payment account comprises deleting the account.
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21. A bill payment system, comprising means for:
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obtaining a transaction payment postponement request from a user; obtaining user-provided postponement criteria; calculating for the user a transaction payment postponement offer based on the user-provided postponement criteria; providing to the user the transaction payment postponement offer; obtaining authorization for creation of a temporary postponement payment account; generating via a processor a temporary postponement payment account for the user; and updating the temporary postponement payment account with a balance value equivalent to a user-specified postponement payment amount. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35)
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36. A bill payment system, comprising means for:
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generating via a processor a bill payment lightbox for payment of a user'"'"'s bill to a first billing party; displaying the bill payment lightbox for the first billing party on a bill payment portal for a second billing party; receiving an indication to pay at least a portion of the user'"'"'s bill using the bill payment lightbox; and forwarding the indication to pay at least a portion of the user'"'"'s bill to the first billing party. - View Dependent Claims (37, 38)
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39. A bill payment non-transitory computer-readable medium storing processor-executable instructions, said instructions executable by a processor to:
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obtain a transaction payment postponement request from a user; wherein the transaction payment postponement request is for postponing a part of a bill; and wherein the part of the bill is at least one particular item in the bill; obtain user-provided postponement criteria; wherein the user-provided postponement criteria includes the temporary postponement payment account balance value repayment period length; calculate estimated time of repayment score (ETA score); wherein the ETA score is calculated based on the total repayment period length of all of the user'"'"'s existing temporary postponement payment accounts; and provide for display user-controlled ETA score recalculations based on the user'"'"'s postponement criteria; calculate for the user a transaction payment postponement offer based on the user-provided postponement criteria; provide to the user the transaction payment postponement offer; obtain authorization for creation of a temporary postponement payment account; generate via a processor a temporary postponement payment account for the user; update the temporary postponement payment account with a balance value equivalent to a user-specified postponement payment amount; receive from the user at least one payment for the temporary postponement payment account balance value; reduce the value of the balance value based on the at least one payment; and expire the temporary postponement payment account if the balance value reaches zero; wherein expiring the temporary postponement payment account comprises deleting the account.
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40. A bill payment non-transitory computer-readable medium storing processor-executable instructions, said instructions executable by a processor to:
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obtain a transaction payment postponement request from a user; obtain user-provided postponement criteria; calculate for the user a transaction payment postponement offer based on the user-provided postponement criteria; provide to the user the transaction payment postponement offer; obtain authorization for creation of a temporary postponement payment account; generate via a processor a temporary postponement payment account for the user; and update the temporary postponement payment account with a balance value equivalent to a user-specified postponement payment amount. - View Dependent Claims (41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52, 53, 54)
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55. A bill payment non-transitory computer-readable medium storing processor-executable instructions, said instructions executable by a processor to:
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generate via a processor a bill payment lightbox for payment of a user'"'"'s bill to a first billing party; display the bill payment lightbox for the first billing party on a bill payment portal for a second billing party; receive an indication to pay at least a portion of the user'"'"'s bill using the bill payment lightbox; and forward the indication to pay at least a portion of the user'"'"'s bill to the first billing party. - View Dependent Claims (56, 57)
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58. A processor-implemented bill payment method, comprising:
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obtaining a transaction payment postponement request from a user; wherein the transaction payment postponement request is for postponing a part of a bill; and wherein the part of the bill is at least one particular item in the bill; obtaining user-provided postponement criteria; wherein the user-provided postponement criteria includes the temporary postponement payment account balance value repayment period length; calculating estimated time of repayment score (ETA score); wherein the ETA score is calculated based on the total repayment period length of all of the user'"'"'s existing temporary postponement payment accounts; and providing for display user-controlled ETA score recalculations based on the user'"'"'s postponement criteria; calculating for the user a transaction payment postponement offer based on the user-provided postponement criteria; providing to the user the transaction payment postponement offer; obtaining authorization for creation of a temporary postponement payment account; generating via a processor a temporary postponement payment account for the user; updating the temporary postponement payment account with a balance value equivalent to a user-specified postponement payment amount; receiving from the user at least one payment for the temporary postponement payment account balance value; reducing the value of the balance value based on the at least one payment; and expiring the temporary postponement payment account if the balance value reaches zero; wherein expiring the temporary postponement payment account comprises deleting the account.
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59. A processor-implemented bill payment method, comprising:
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obtaining a transaction payment postponement request from a user; obtaining user-provided postponement criteria; calculating for the user a transaction payment postponement offer based on the user-provided postponement criteria; providing to the user the transaction payment postponement offer; obtaining authorization for creation of a temporary postponement payment account; generating via a processor a temporary postponement payment account for the user; and updating the temporary postponement payment account with a balance value equivalent to a user-specified postponement payment amount. - View Dependent Claims (60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72, 73)
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74. A processor-implemented bill payment method, comprising:
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generating via a processor a bill payment lightbox for payment of a user'"'"'s bill to a first billing party; displaying the bill payment lightbox for the first billing party on a bill payment portal for a second billing party; receiving an indication to pay at least a portion of the user'"'"'s bill using the bill payment lightbox; and forwarding the indication to pay at least a portion of the user'"'"'s bill to the first billing party. - View Dependent Claims (75, 76)
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Specification