ELECTRONIC INVOICING AND PAYMENT

• US 20150186855A1
• Filed: 12/31/2013
• Published: 07/02/2015
• Est. Priority Date: 05/09/2013
• Status: Abandoned Application

• Current Assignee: Invoice Cloud, Inc.
• Original Assignee: Invoice Cloud, Inc.
• Inventors: Bennett, Robert, Lapides, Robert, Morabito, John, Averyt, Kelton
• Application Number:
  US14/144,836
• Publication Number:
  US 20150186855A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 30/04 Billing or invoicing

Abstract

A method includes, for each of multiple billers, maintaining, at a payment system, a transaction record for each of one or more transactions for the biller, each transaction having been executed by or on behalf of a customer through a user interface of the payment system. The method includes updating, at the payment system, a confirmation status of a particular transaction record for a particular biller based on a confirmation received from the particular biller.

Claims

1. A method comprising:

for each of multiple billers, maintaining, at a payment system, a transaction record for each of one or more transactions for the biller, each transaction having been executed by or on behalf of a customer through a user interface of the payment system; and

updating, at the payment system, a confirmation status of a particular transaction record for a particular biller based on a confirmation received from the particular biller.

2. The method of claim 1, comprising sending, to the particular biller, transaction data for the transaction corresponding to the particular transaction record.

3. The method of claim 2, comprising receiving the confirmation from the particular biller responsive to the sent transaction data.

4. The method of claim 2, comprising sending the transaction data upon execution of the transaction.

5. The method of claim 2, wherein the transaction data include at least some of the data in the transaction record for the transaction.

6. The method of claim 1, wherein the confirmation is indicative of whether the biller received transaction data for the transaction corresponding to the particular transaction record.

7. The method of claim 1, wherein the confirmation is indicative of an error associated with the particular transaction record or the transaction corresponding to the particular transaction record.

8. The method of claim 7, wherein the error includes that the transaction is a duplicate transaction or that the transaction record is a duplicate transaction record.

9. The method of claim 1, comprising providing, to a customer service representative, information indicative of the confirmation status of the particular transaction.

10. A computer readable storage medium storing instructions for causing a computing system to:

for each of multiple billers, maintain, at a payment system, a transaction record for each of one or more transactions for the biller, each transaction having been executed by or on behalf of a customer through a user interface of the payment system; and

update, at the payment system, a confirmation status of a particular transaction record for a particular biller based on a confirmation received from the particular biller.

11. The computer readable storage medium of claim 10, wherein the instructions cause the computing system to send, to the particular biller, transaction data for the transaction corresponding to the particular transaction record.

12. The computer readable storage of claim 11, wherein the instructions cause the computing system to receive the confirmation from the particular biller responsive to the sent transaction data.

13. The computer readable storage of claim 11, wherein the instructions cause the computing system to send the transaction data upon execution of the transaction.

14. A computing system comprising:

a processor coupled to a memory, the processor and memory configured to;

for each of multiple billers, maintain, at a payment system, a transaction record for each of one or more transactions for the biller, each transaction having been executed by or on behalf of a customer through a user interface of the payment system; and

update, at the payment system, a confirmation status of a particular transaction record for a particular biller based on a confirmation received from the particular biller.

15. The computing system of claim 14, wherein the processor and memory are configured to send, to the particular biller, transaction data for the transaction corresponding to the particular transaction record.

16. The computing system of claim 15, wherein the processor and memory are configured to receive the confirmation from the particular biller responsive to the sent transaction data.

17. The computing system of claim 15, wherein the processor and memory are configured to send the transaction data upon execution of the transaction.

18. A method comprising:

for each of multiple billers, maintaining, at a payment system, a transaction record for each of one or more transactions for the biller, each transaction having been executed by a customer through a user interface of the payment system; and

enabling display, to or for the benefit of a particular biller, one or more of the transaction records for the particular biller.

19. The method of claim 18, wherein enabling display of the transaction records comprises enabling display of the transaction records to or for the benefit of the particular biller and not to or for the benefit of any other of the multiple billers.

20. The method of claim 18, wherein enabling display of the transaction records comprises enabling the transaction records to be displayed within a third party software interface.

21. The method of claim 18, wherein enabling display of the transaction records comprises enabling an interaction with the transaction records on behalf of the particular biller.

22. The method of claim 18, wherein each transaction record includes a confirmation status for the corresponding transaction.

23. The method of claim 22, wherein enabling display of the transaction records includes enabling display of the confirmation status for each transaction record.

24. The method of claim 22, wherein enabling display of the transaction records includes enabling sorting of the transaction records by confirmation status.

25. The method of claim 22, wherein the confirmation status is based on a confirmation received from or on behalf of the biller of the corresponding transaction.

26. The method of claim 25, wherein the confirmation received from or on behalf of the biller is indicative of whether the biller received transaction data for the corresponding transaction.

27. The method of claim 25, wherein the confirmation received from or on behalf of the biller is indicative of an error associated with the corresponding transaction.

28. A computer readable storage medium storing instructions for causing a computing system to:

for each of multiple billers, maintain, at a payment system, a transaction record for each of one or more transactions for the biller, each transaction having been executed by a customer through a user interface of the payment system; and

enable display, to or for the benefit of a particular biller, one or more of the transaction records for the particular biller.

29. The computer readable storage medium of claim 28, wherein enabling display of the transaction records comprises enabling display of the transaction records to or for the benefit of the particular biller and not to or for the benefit of any other of the multiple billers.

30. The computer readable storage medium of claim 28, wherein enabling display of the transaction records comprises enabling the transaction records to be displayed within a third party software interface.

31. The computer readable storage medium of claim 28, wherein enabling display of the transaction records comprises enabling an interaction with the transaction records on behalf of the particular biller.

32. The computer readable storage medium of claim 28, wherein enabling display of the transaction records includes enabling display of a confirmation status for each transaction record.

33. The computer readable storage medium of claim 28, wherein enabling display of the transaction records includes enabling sorting of the transaction records by a confirmation status for each transaction record.

34. A computing system comprising:

a processor coupled to a memory, the processor and memory configured to;

for each of multiple billers, maintain, at a payment system, a transaction record for each of one or more transactions for the biller, each transaction having been executed by a customer through a user interface of the payment system; and

enable display, to or for the benefit of a particular biller, one or more of the transaction records for the particular biller.

35. The computing system of claim 34, wherein enabling display of the transaction records comprises enabling display of the transaction records to or for the benefit of the particular biller and not to or for the benefit of any other of the multiple billers.

36. The computing system of claim 34, wherein enabling display of the transaction records comprises enabling the transaction records to be displayed within a third party software interface.

37. The computing system of claim 34, wherein enabling display of the transaction records comprises enabling an interaction with the transaction records on behalf of the particular biller.

38. The computing system of claim 34, wherein enabling display of the transaction records includes enabling display of a confirmation status for each transaction record.

39. The computing system of claim 34, wherein enabling display of the transaction records includes enabling sorting of the transaction records by a confirmation status for each transaction record.

40. A method comprising:

receiving transaction data for a transaction executed by or on behalf of a customer through a user interface of a payment system; and

sending, to the payment system, a confirmation in response to receiving the transaction data.

41. The method of claim 40, wherein the confirmation is indicative of receipt of the transaction data.

42. The method of claim 40, wherein the confirmation is indicative of an error associated with the transaction data.

43. The method of claim 40, comprising evaluating a validity of the received transaction data.

44. The method of claim 43, wherein the confirmation is indicative of the validity of the received transaction data.

45. The method of claim 43, wherein evaluating the validity of the received transaction data comprises evaluating the received transaction data in view of stored transaction data.

46. The method of claim 40, comprising storing the received transaction data.

47. A computer readable storage medium storing instructions for causing a computing system to:

receive transaction data for a transaction executed by or on behalf of a customer through a user interface of a payment system; and

send, to the payment system, a confirmation in response to receiving the transaction data.

48. The computer readable storage medium of claim 47, wherein the instructions cause the computing system to evaluate a validity of the received transaction data, and wherein the confirmation is indicative of the validity of the received transaction data.

49. The computer readable storage medium of claim 47, wherein the instructions cause the computing system to store the received transaction data.

50. A computing system comprising:

a processor coupled to a memory, the processor and memory configured to;

receive transaction data for a transaction executed by or on behalf of a customer through a user interface of a payment system; and

send, to the payment system, a confirmation in response to receiving the transaction data.

51. The computing system of claim 50, wherein the processor and memory are configured to evaluate a validity of the received transaction data, and wherein the confirmation is indicative of the validity of the received transaction data.

52. The computing system of claim 50, wherein the processor and memory are configured to store the received transaction data.

53. A method comprising:

receiving, from a payment system, a transaction record for each of one or more transactions for a biller, each transaction having been executed by a customer through the payment system; and

displaying one or more of the transaction records on a user interface.

54. The method of claim 53, wherein each transaction record includes a confirmation status for the corresponding transaction.

55. The method of claim 54, wherein displaying one or more of the transaction records includes displaying the confirmation status for each transaction record.

56. The method of claim 54, wherein the confirmation status is based on a confirmation status is based on a confirmation received from or on behalf of the biller.

57. The method of claim 56, wherein the confirmation status is indicative of whether the biller received transaction data for the corresponding transaction.

58. The method of claim 56, wherein the confirmation status is indicative of an error associated with the corresponding transaction.

59. The method of claim 54, wherein displaying one or more of the transaction records includes displaying transaction records having a particular confirmation status.

60. The method of claim 53, wherein displaying one or more of the transaction records includes displaying transaction records for transactions executed by or on behalf of a particular customer or transaction records for transactions corresponding to a particular customer account identifier.

61. The method of claim 53, comprising requesting the transaction records from the payment system.

62. The method of claim 61, wherein requesting the transaction records includes requesting transaction records for transactions executed by or on behalf of a particular customer or transaction records for transactions corresponding to a particular customer account identifier.

63. The method of claim 61, wherein requesting the transaction records includes requesting transaction records having a particular confirmation status.

64. A computer readable storage medium storing instructions for causing a computing system to:

receive, from a payment system, a transaction record for each of one or more transactions for a biller, each transaction having been executed by a customer through the payment system; and

display one or more of the transaction records on a user interface.

65. The computer readable storage medium of claim 64, wherein the instructions cause the computing system to display one or more of the transaction records includes displaying a confirmation status for each transaction record.

66. The computer readable storage medium of claim 64, wherein the instructions cause the computing system to display one or more of the transaction records includes displaying transaction records having a particular confirmation status.

67. The computer readable storage medium of claim 64, wherein the instructions cause the computing system to display one or more of the transaction records includes displaying transaction records for transactions executed by or on behalf of a particular customer or transaction records for transactions corresponding to a particular customer account identifier.

68. The computer readable storage medium of claim 64, wherein the instructions cause the computing system to request the transaction records from the payment system.

69. A computing system comprising:

a processor coupled to a memory, the processor and memory configured to;

receive, from a payment system, a transaction record for each of one or more transactions for a biller, each transaction having been executed by a customer through the payment system; and

display one or more of the transaction records on a user interface.

70. The computing system of claim 69, wherein the processor and memory are configured to display one or more of the transaction records includes displaying a confirmation status for each transaction record.

71. The computing system of claim 69, wherein the processor and memory are configured to display one or more of the transaction records includes displaying transaction records having a particular confirmation status.

72. The computing system of claim 69, wherein the processor and memory are configured to display one or more of the transaction records includes displaying transaction records for transactions executed by or on behalf of a particular customer or transaction records for transactions corresponding to a particular customer account identifier.

73. The computing system of claim 69, wherein the processor and memory are configured to request the transaction records from the payment system.