Automated billing consolidation system and method

• US 5,684,965 A
• Filed: 04/07/1995
• Issued: 11/04/1997
• Est. Priority Date: 10/22/1992
• Status: Expired due to Term

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Pickering, Richard E.
• Primary Examiner(s): Hayes, Gail O.
• Assistant Examiner(s): Tkacs, Stephen R.
• Application Number:
  US08/418,842
• Time in Patent Office: 942 Days
• Field of Search: 364/401, 364/406, 364/408, 364/464.01, 364/464.04, 235/379, 235/380, 235/382.5, 283/57, 283/58, 283/59, 283/60.1, 283/60.2, 283/66.1, 395/201, 395/207, 395/230, 395/232, 395/234, 395/235, 395/240, 395/245
• US Class Current: 705/34
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• 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

An automated method and system for consolidating a plurality of individual company charges for a customer with different periodic company billing and payment due dates is provided. Under the system, companies and businesses such as utility companies report their periodic billing information to a central processing office or facility. The processing office holds the billing information data in time suspense until all of the billing information for the customer during a pre-selected time period is received. Then, the central processing facility generates a single customer statement which identifies all individual company charges as well as a statement due date. The statement is sent to the customer and payment for the identified charges is due by the statement due date. After receiving payment from the customer, the centralized billing center processes the payment and then remits payment to all of the companies.

Claims

1. A computer system for consolidating a plurality of bills into a single integrated bill for subsequent payment by a consumer, comprising:

a host computer including a host processor;

a first remote computer, disposed at a first site, configured to transmit a first data packet over a first link to said host computer; and

a second remote computer, disposed at a site remote from said first site, configured to transmit a second data packet over a second link to said host computer, wherein;

said first data packet comprises indicia of the identity of a first entity utilizing said first computer and a first billed amount associated with a first billing cycle and a first payment date;

said second data packet comprises indicia of the identity of a second entity utilizing said second computer and a second billed amount associated with a second billing cycle, which is not synchronized with said first billing cycle, and a second payment date;

said first and second remote computers are configured to independently effect transmission of said first and second data packets, respectively, to said host computer;

said host processor is configured to receive said first data packet from said first remote computer and said second data packet from said second remote computer, and to consolidate said first and second data packets into a single integrated bill for subsequent payment by a consumer;

said host processor is further configured to produce a human-readable copy of said bill, said copy comprising indicia of said first and second entity identities, said first and second billing cycles, said first and second billed amounts, and a single payment date upon which said single bill is due to be paid by said consumer; and

said host processor is configured to compute said single payment date as an optimum payment date as a function of said first payment date associated with said first billed amount and said second payment date associated with said second billed amount.

2. The system of claim 1, wherein said host computer further comprises a printer and said human-readable copy of said single bill comprises:

a first document upon which indicia of said first data packet is printed; and

a second document upon which indicia of said second data packet is printed.

3. The system of claim 1, wherein said host processor further comprises a printer and is further configured to compute an integrated total and to print said integrated total on said human-readable copy of said single bill, said integrated total being a function of said first payment date, said first billed amount, said second payment date, and said second billed amount.

4. The system of claim 1, wherein said host computer further comprises a printer and said human-readable copy of said single bill comprises a single document, including:

a first sector within which indicia of said first data packet is printed; and

a second sector within which indicia of said second data packet is printed.

5. The system of claim 1, wherein said function which relates said optimum payment date to said first and second payment dates comprises said optimum payment date being subsequent to at least one of said first payment date and said second payment date.