Electronic billing with updateable electronic bill summary
First Claim
1. A system comprising:
- a first network station associated with a biller that is configured to (i) transmit, to a second network station associated with a user, billing information representing a first amount of an available bill of the biller for the user, (ii) receive a disputation of the first amount of the available bill, and (iii) transmit, to the second network station in response to the received disputation, a revised amount of the available bill and a selectable payment indicator;
wherein selection of the selectable payment indicator by the user is configured to establish a communications link between the second network station and a third network station associated with a payment entity, for transmitting a request from the second network station to the third network station to pay the revised amount of the available bill to the biller on behalf of the user.
1 Assignment
0 Petitions
Accused Products
Abstract
An electronic bill payment network includes a plurality of user network stations associated with different users, a plurality of biller network stations associated with different billers, and a central network station. A first user station operates, in real time, to transmit information relevant to an amount of an available bill and an instruction to pay the available bill. A first biller station operates, in real time, to receive the transmitted information and to compute the amount of the available bill based upon the received information. The central network station operates to receive the computed amount of the available bill and the transmitted pay instruction, and to direct payment of the computed amount of the available bill based upon the transmitted instruction to pay that bill.
111 Citations
23 Claims
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1. A system comprising:
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a first network station associated with a biller that is configured to (i) transmit, to a second network station associated with a user, billing information representing a first amount of an available bill of the biller for the user, (ii) receive a disputation of the first amount of the available bill, and (iii) transmit, to the second network station in response to the received disputation, a revised amount of the available bill and a selectable payment indicator; wherein selection of the selectable payment indicator by the user is configured to establish a communications link between the second network station and a third network station associated with a payment entity, for transmitting a request from the second network station to the third network station to pay the revised amount of the available bill to the biller on behalf of the user. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8)
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9. A method comprising:
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transmitting a determined first amount of an available bill from a first network location to a second network location; receiving a disputation of the first amount of the available bill at the first network location; determining a revised amount of the available bill at the first network location in response to the received disputation; and transmitting the revised amount of the available bill and a selectable payment indicator to the second network location, wherein selection of the selectable payment indicator is configured to establish a communications link with a third network location, in order to transmit a request from the second network location to the third network location to pay the revised amount of the available bill. - View Dependent Claims (10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A system comprising:
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at least one network interface configured to transmit and receive communications via a network; and a processor configured (i) to direct the at least one network interface to transmit a network communication of a first amount of one of a plurality of available bills identified in bill availability information for a first of a plurality of different users from the biller to the first user, (ii) to receive, though the at least one network interface, a disputation of the first amount of the available bill, and (iii) to direct the at least one network interface to transmit, to the first user in response to the received disputation, a revised amount of the available bill and a selectable payment indicator, wherein selection of the selectable payment indicator by the user is configured to establish a communications link between the user and a payment entity, in order to transmit a request from the first user to the payment entity to pay the revised amount of the available bill to the biller on behalf of the user. - View Dependent Claims (21, 22)
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23. A system comprising:
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means for transmitting a determined first amount of an available bill from a biller to a user; means for receiving a disputation of the first amount of the available bill at the biller; means for determining a revised amount of the available bill in response to the received disputation; and means for transmitting the revised amount of the available bill and a selectable payment indicator to the user, wherein selection of the selectable payment indicator is configured to establish a communications link with a payment entity, in order to transmit a request from the user to the payment entity to pay the revised amount of the available bill.
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Specification