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Remote Portal Bill Payment Platform Apparatuses, Methods and Systems

  • US 20130346302A1
  • Filed: 06/20/2013
  • Published: 12/26/2013
  • Est. Priority Date: 06/20/2012
  • Status: Abandoned Application
First Claim
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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.

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