Interactive invoicer interface

• US 7,702,579 B2
• Filed: 12/19/2000
• Issued: 04/20/2010
• Est. Priority Date: 12/19/2000
• Status: Active Grant

• Current Assignee: DND Cash Management Solutions GP
• Original Assignee: Emergis Technologies Incorporated
• Inventors: Neely, R. Alan, Boulette, Scott, Fallon, Joshua B., Coan, Bartholomew, Wrather, James C.
• Primary Examiner(s): Hamilton, Lalita M
• Application Number:
  US09/741,620
• Publication Number:
  US 20020077977A1
• Time in Patent Office: 3,409 Days
• Field of Search: 705/35, 705/38, 705/39, 705/40, 705 42- 44, 704/40
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/02 Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

An automated electronic invoicing and payment consolidation system for providing remote customer review of customer account information from at least two invoicers. In the preferred embodiment, the system includes three primary components: a consolidated invoicer interface; a remote customer interface for accessing the consolidated invoicer interface; and a payment engine. In the preferred embodiment, the consolidated invoicer interface provides at least one access point to each of the invoicers; sets the access point of each of the invoicers for at least one customer; authenticates each of the customers; and automatically requests account information for the customers directly from each of the invoicers. Also, in the preferred embodiment, the payment engine sends the customer payment instructions from the customer directly to each of the invoicers.

Claims

1. An automated electronic invoicing and payment consolidation system for providing remote customer review of customer account information from at least two invoicers having web sites or entities having web sites for acting on behalf of said invoicers, said system comprising:

(a) a consolidated invoicer interface wherein said invoicer interface includes;

(i) at least one access point for at least one customer to each of the invoicers or entities acting on behalf of said invoicers;

(ii) means for setting said access point of each of the invoicers or entities acting on behalf of said invoicers for at least one customer; and

(iii) means for authentication of each of said customers;

(b) a remote customer interface for accessing said consolidated invoicer interface, wherein said remote customer interface includes a dynamic inbox adapted to display a list of invoicers that is selectable for display in said dynamic inbox by the at least one customer;

(c) a payment engine for electronically transmitting invoice payment instructions from the customer to each invoicer or entities acting on behalf of said invoicers; and

(d) a data pulling component installable on said at least two invoicers'"'"' web sites or on web sites of entities working on behalf of said invoicers adapted to read each invoicer'"'"'s data, package said invoicer'"'"'s data and send said data to said remote customer interface in response to customer data requests.

2. The system according to claim 1, wherein said payment engine includes:

invoice presentation electronics adapted to present an electronic invoice created by or on behalf of said invoicers from customer billing data stored on a server and only extracted by or on behalf of said invoicers for customer review and to request payment instructions relating to automated billing to said customer; and

a remote electronic customer authorization interface adapted to;

(i) receive the customer billing data for customer review and the request for payment instructions from said invoice presentation electronics;

(ii) provide the customer billing data and the request for payment instructions to the customer;

(iii) receive customer payment instructions from the customer in response to the request for payment instructions; and

(iv) transmit the customer payment instructions from the customer to each of the invoicers or entities acting on behalf of said invoicers.

3. The system according to claim 2, wherein said payment source is a clearing house.

4. The system according to claim 3, wherein said clearing house is a courier.

5. The system according to claim 3, wherein said clearing house is a payment network.

6. The system according to claim 2, wherein said payment instructions include transmission date.

7. The system according to claim 2, wherein said payment instructions include amount to draft from customer associated financial institution.

8. The system according to claim 2, wherein said payment instructions include account information associated with the customer from which to draft payment.

9. The system according to claim 2, wherein said payment instructions include account information associated with each of the invoicers or entities acting on behalf of said invoicers from which to deposit payment.

10. The system according to claim 2, wherein said billing data includes invoicer billing information.

11. The system according to claim 10, wherein said billing information includes a due date.

12. The system according to claim 10, wherein said billing information includes an amount due.

13. The system according to claim 10, wherein said billing information includes a list of goods or services provided during a billing period.

14. The system according to claim 10, wherein said billing information includes a late charge.

15. The system according to claim 10, wherein said billing information includes account information.

16. The system according to claim 2, wherein said invoice presentment electronics further includes invoice information relating to customer bills and account information relating to financial institutions associated with the customer from which payments maybe drafted.

17. The system according to claim 16, wherein said invoice presentment electronics further includes preauthorized payment instructions for automated payment of a billing amount set out in said billing information from an account set out in said account information.

18. The system according to claim 17, wherein the request for payment instructions from said invoice presentment electronics query the customer if the preauthorized payment instructions are desired for the billing data presented.

19. The system according to claim 17, wherein the request for payment instructions from said invoice presentment electronics query the customer if the preauthorized payment instructions need modification for the billing data presented.

20. The system according to claim 17, wherein said customer authorization interface includes an editor for modifying the preauthorized payment instructions.

21. The system according to claim 16, wherein the account information includes account information from a plurality of financial institutions and the request for payment instructions query the customer to select the financial institution from which to draft payment for an associated customer bill.

22. The system according to claim 21, wherein said invoice presentment electronics includes a preauthorized default identifying the financial institution from which to draft payment for said associated customer bill.

23. The system according to claim 22, wherein said electronic customer authorization interface is adapted to receive a customer input to accept the preauthorized default.

24. The system according to claim 22, wherein said electronic customer authorization interface is adapted to receive a customer input to modify the preauthorized default.

25. The system according to claim 2, wherein said request for payment instructions include billing information selected from the group consisting of amount due, time of payment, account from which to draft payment.

26. The system according to claim 25, wherein said customer authorization interface is adapted to modify the billing information to change one or more of the group consisting of amount due, time of payment and account from which to draft payment.

27. The system according to claim 2, wherein said billing data include notices for the customer.

28. The system according to claim 2, wherein said billing data include advertising information directed towards the customer.

29. The system according to claim 2, wherein said billing data include control information.

30. The system according to claim 2, wherein said payment instructions include a date to draft payment.

31. The system according to claim 2, wherein said payment instructions include an amount of invoice.

32. The system according to claim 2, wherein each of the invoicers or entities acting on behalf of said invoicers provide a customer accessible site for receiving said billing data and said request for payment instructions, said site accessible from said electronic customer authorization interface.

33. The system according to claim 32, wherein said customer accessible site is an Internet site and said electronic customer authorization interface includes a browser for accessing said customer accessible site.

34. The system according to claim 32, wherein said electronic customer authorization interface is an automated teller machine.

35. The system according to claim 32, wherein said electronic customer authorization interface is a remote kiosk.

36. The system according to claim 32, wherein said electronic customer authorization interface is a personal computer.

37. The system according to claim 32, wherein said electronic customer authorization interface is an interactive television.

38. The system according to claim 32, wherein said electronic customer authorization interface is a telephone.

39. The system according to claim 32, wherein said electronic customer authorization interface is a computer, said billing data and said request for payment instructions are presented by e-mail to the customer and the customer payment instructions are provided by a customer e-mail.

40. The system according to claim 32, wherein said electronic customer authorization interface includes a display for presenting said billing data and said request for payment instructions and a customer actuable input for receiving customer payment instructions.

41. The system according to claim 32, wherein said electronic customer authorization interface includes audio electronics and a speaker for presenting said billing data and said request for payment instructions and a customer actuable input for receiving customer payment instructions.

42. The system according to claim 32, wherein said electronic customer authorization interface is adapted to allow a customer to poll said invoice presentment electronics to receive said billing data and said request for payment instructions.

43. The system according to claim 2, wherein said remote customer interface includes an access program and a server connection.

44. The system according to claim 43, wherein said access program is an Internet server.

45. The system according to claim 43, wherein said server connection is an Internet server connection.

46. The system according to claim 45, wherein said Internet server connection is an Internet dial-up connection.

47. The system according to claim 1, wherein said billing data includes customer information.

48. The system according to claim 47, wherein said customer information includes customer name.

49. The system according to claim 47, wherein said customer information includes customer address.

50. The system according to claim 47, wherein said customer information includes account information for the customer.

51. The system according to claim 1, wherein said billing data includes a customer account identifier.

52. The system according to claim 1, wherein said billing data includes an invoice identifier.

53. A consolidated invoicer interface for an automated electronic invoicing and payment system for providing remote customer review of customer account information from at least two invoicers having web sites or entities having web sites for acting on behalf of said invoicers, said system comprising:

(a) at least one access point for at least one customer to each of the invoicers or entities acting on behalf of said invoicers, wherein said at least one access point includes a dynamic inbox adapted to display a list of invoicers that is selectable for display in said dynamic inbox by at least one customer;

(b) means for setting said access point of each of the invoicers or entities acting on behalf of said invoicers for at least one customer;

(c) means for authentication of each of said customers;

(d) means for automatically requesting account information for said customers from each of the invoicers or entities acting on behalf of said invoicers;

(e) means for electronically transmitting invoice payment instructions from said customers to each of the invoicers or entities acting on behalf of said invoicers; and

(f) means at said invoicer'"'"'s web site or entities'"'"' web site for acting on behalf of said invoicers for reading each invoicer'"'"'s data, packaging said invoicer'"'"'s data and sending said means for automatically requesting account information.

54. The system according to claim 53, wherein said at least one access point to one of the invoicers or entities acting on behalf of said invoicers is the invoicer'"'"'s URL.

55. The system according to claim 53, wherein said at least one access point to one of the invoicers further includes a plurality of access points to each invoicer.

56. The system according to claim 53, wherein said each of said access points of each of said invoicer'"'"'s are URL at a portal site.

57. The system according to claim 53, wherein the means for setting an access point of each of the invoicers or entities acting on behalf of said invoicers includes a transfer of invoicer'"'"'s URL from invoicer'"'"'s Web site.

58. The system according to claim 57, wherein the means for setting an access point of each of the invoicers or entities acting on behalf of said invoicers further includes a collection of access points for providing a directory of accessible portals and invoicers or entities acting on behalf of said invoicers.

59. The system according to claim 58, wherein said collection of access points includes at least one of an invoicer'"'"'s URLs, portal URLs and payment engine URLs.

60. The system according to claim 53, wherein said means for setting the access point of each of the invoicers or entities acting on behalf of said invoicers further includes means for setting up payment of the customer.

61. The system according to claim 60, wherein said means for setting up the payment of the customer is at the portal.

62. The system according to claim 60, wherein said means for setting up the payment of the customer is a data entry point at the invoicer.

63. The system according to claim 60, wherein said means for setting up the payment of the customer is at the invoicer'"'"'s payment engine.

64. The system according to claim 53, wherein the means for authentication is stored on a portal.

65. The system according to claim 64, wherein said means for authentication stored on portal is a name/password pair.

66. The system according to claim 64, wherein said means for authentication stored on portal further includes invoicer authentication.

67. The system according to claim 66, wherein said invoicer authentication is a name/password pair.

68. The system according to claim 53, wherein said means for authentication is invoicer authentication.

69. The system according to claim 68, wherein said invoicer authentication is stored on invoicer'"'"'s site.

70. The system according to claim 69, wherein said invoicer authentication stored on invoicer'"'"'s site is a name/password pair.

71. The system according to claim 53, wherein said means for automatically requesting customer account information is a URL request to invoicer'"'"'s Web site.

72. The system according to claim 53, wherein said customer account information includes invoicer content.

73. The system according to claim 72, wherein said content includes at least one of the following:

current bill “

summary”

, billing/payment history “

summary”

, invoicer notice/messages “

summary”

, notes or detail.

74. The system according to claim 53, wherein said customer account information includes purchase orders.

75. The system according to claim 53, wherein said customer account information includes shipping documents.

76. The system according to claim 53, wherein the data format of said customer account information is at least one of the following:

XML, EDI, graphic, text and IFX/OFX.

77. An automated electronic invoicing and payment consolidation system for providing remote customer review of customer account information from at least two invoicers having web sites or entities having web sites for acting on behalf of said invoicers, said system comprising:

(a) a consolidated invoicer interface wherein said invoicer interface includes;

(i) at least one access point for at least one customer to each of the invoicers or entities acting on behalf of said invoicers;

(ii) means for setting said access point of each of the invoicers or entities acting on behalf of said invoicers for at least one customer;

(iii) means for authentication of each of said customers; and

(iv) means for automatically requesting account information for said customers from each of the invoicers or entities acting on behalf of said invoicers;

(b) a remote customer interface for accessing said consolidated invoicer interface, wherein said remote customer interface includes a dynamic inbox adapted to display a list of invoicers that is selectable for display in said dynamic inbox by the at least one customer;

(c) a payment engine wherein the customer payment instructions are sent from the customer to each of the invoicers or entities acting on behalf of said invoicers, said payment engine including;

invoice presentation electronics adapted to present an electronic invoice created by or on behalf of said invoicers from customer billing data stored on a server and only extracted by or on behalf of said invoicers for customer review and to request payment instructions relating to automated billing to said customer; and

a remote electronic customer authorization interface adapted to;

(i) receive the customer billing data for customer review and the request for payment instructions from said invoice presentation electronics;

(ii) provide the customer billing data and the request for payment instructions to the customer;

(iii) receive customer payment instructions from the customer in response to the request for payment instructions; and

(iv) transmit the customer payment instructions from the customer to each of the invoicers or entities acting on behalf of said invoicers; and

(d) a data pulling component installable on said at least two invoicers'"'"' web sites or on web sites of entities working on behalf of said invoicers adapted to read each invoicer'"'"'s data, package said invoicer'"'"'s data and send said data to said remote customer interface in response to customer data requests.

78. The system according to claim 77, wherein said payment source is a clearing house.

79. The system according to claim 78, wherein said clearing house is a courier.

80. The system according to claim 78, wherein said clearing house is a payment network.

81. The system according to claim 77, wherein said payment instructions include transmission date.

82. The system according to claim 77, wherein said payment instructions include amount to draft from customer associated financial institution.

83. The system according to claim 77, wherein said payment instructions include account information associated with the customer from which to draft payment.

84. The system according to claim 77, wherein said payment instructions include account information associated with each of the invoicers or entities acting on behalf of said invoicers from which to deposit payment.

85. The system according to claim 77, wherein said billing data includes invoicer billing information.

86. The system according to claim 85, wherein said billing information includes a due date.

87. The system according to claim 85, wherein said billing information includes an amount due.

88. The system according to claim 85, wherein said billing information includes a list of goods or services provided during a billing period.

89. The system according to claim 85, wherein said billing information includes a late charge.

90. The system according to claim 85, wherein said billing information includes account information.

91. The system according to claim 77, wherein said billing data includes customer information.

92. The system according to claim 91, wherein said customer information includes customer name.

93. The system according to claim 91, wherein said customer information includes customer address.

94. The system according to claim 91, wherein said customer information includes account information for the customer.

95. The system according to claim 77, wherein said billing data includes a customer account identifier.

96. The system according to claim 77, wherein said billing data includes an invoice identifier.

97. The system according to claim 77, wherein said invoice presentment electronics further includes invoice information relating to customer bills and account information relating to financial institutions associated with the customer from which payments may be drafted.

98. The system according to claim 97, wherein said invoice presentment electronics further includes preauthorized payment instructions for automated payment of a billing amount set out in said billing information from an account set out in said account information.

99. The system according to claim 98, wherein the request for payment instructions from said invoice presentment electronics query the customer if the preauthorized payment instructions are desired for the billing data presented.

100. The system according to claim 98, wherein the request for payment instructions from said invoice presentment electronics query the customer if the preauthorized payment instructions need modification for the billing data presented.

101. The system according to claim 98, wherein said customer authorization interface includes an editor for modifying the preauthorized payment instructions.

102. The system according to claim 97, wherein the account information includes account information from a plurality of financial institutions and the request for payment instructions query the customer to select the financial institution from which to draft payment for an associated customer bill.

103. The system according to claim 102, wherein said invoice presentment electronics includes a preauthorized default identifying the financial institution from which to draft payment for said associated customer bill.

104. The system according to claim 103, wherein said electronic customer authorization interface is adapted to receive a customer input to accept the preauthorized default.

105. The system according to claim 103, wherein said electronic customer authorization interface is adapted to receive a customer input to modify the preauthorized default.

106. The system according to claim 77, wherein said request for payment instructions include billing information selected from the group consisting of amount due, time of payment, account from which to draft payment.

107. The system according to claim 106, wherein said customer authorization interface is adapted to modify the billing information to change one or more of the group consisting of amount due, time of payment and account from which to draft payment.

108. The system according to claim 77, wherein said billing data include notices for the customer.

109. The system according to claim 77, wherein said billing data include advertising information directed towards the customer.

110. The system according to claim 77, wherein said billing data include control information.

111. The system according to claim 77, wherein said payment instructions include a date to draft payment.

112. The system according to claim 77, wherein said payment instructions include an amount of invoice.

113. The system according to claim 77, wherein each of the invoicers or entities acting on behalf of said invoicers provide a customer accessible site for receiving said billing data and said request for payment instructions, said site accessible from said electronic customer authorization interface.

114. The system according to claim 113, wherein said customer accessible site is an Internet site and said electronic customer authorization interface includes a browser for accessing said customer accessible site.

115. The system according to claim 113, wherein said electronic customer authorization interface is an automated teller machine.

116. The system according to claim 113, wherein said electronic customer authorization interface is a remote kiosk.

117. The system according to claim 113, wherein said electronic customer authorization interface is a personal computer.

118. The system according to claim 113, wherein said electronic customer authorization interface is an interactive television.

119. The system according to claim 113, wherein said electronic customer authorization interface is a telephone.

120. The system according to claim 113, wherein said electronic customer authorization interface is a computer, said billing data and said request for payment instructions are presented by e-mail to the customer and the customer payment instructions are provided by a customer e-mail.

121. The system according to claim 113, wherein said electronic customer authorization interface includes a display for presenting said billing data and said request for payment instructions and a customer actuable input for receiving customer payment instructions.

122. The system according to claim 113, wherein said electronic customer authorization interface includes audio electronics and a speaker for presenting said billing data and said request for payment instructions and a customer actuable input for receiving customer payment instructions.

123. The system according to claim 113, wherein said electronic customer authorization interface is adapted to allow a customer to poll said invoice presentment electronics to receive said billing data and said request for payment instructions.

124. The system according to claim 77, wherein said remote customer interface includes an access program and a server connection.

125. The system according to claim 124, wherein said access program is an Internet server.

126. The system according to claim 124, wherein said server connection is an Internet server connection.

127. The system according to claim 126, wherein said Internet server connection is an Internet dial-up connection.

128. The system according to claim 77, wherein said at least one access point to one of the invoicers is the invoicer'"'"'s URL.

129. The system according to claim 77, wherein said at least one access point to one of the invoicers or entities acting on behalf of said invoicers further includes a plurality of access points to each invoicer.

130. The system according to claim 77, wherein said each of said access points of each of said invoicer'"'"'s are a URL at a portal site.

131. The system according to claim 77, wherein the means for setting an access point of each of the invoicers or entities acting on behalf of said invoicers includes a transfer of invoicer'"'"'s URL from invoicer'"'"'s Web site.

132. The system according to claim 131, wherein the means for setting an access point of each of the invoicers or entities acting on behalf of said invoicers further includes a collection of access points for providing a directory of accessible portals and invoicers or entities acting on behalf of said invoicers.

133. The system according to claim 132, wherein said collection of access points includes at least one of an invoicer'"'"'s URLs, portal URLs and payment engine URLs.

134. The system according to claim 77, wherein said means for setting the access point of each of the invoicers or entities acting on behalf of said invoicers further includes means for setting up payment of the customer.

135. The system according to claim 134, wherein said means for setting up the payment of the customer is at the portal.

136. The system according to claim 134, wherein said means for setting up the payment of the customer is a data entry point at the invoicer.

137. The system according to claim 134, wherein said means for setting up the payment of the customer is at the invoicer'"'"'s payment engine.

138. The system according to claim 77, wherein the means for authentication is stored on a portal.

139. The system according to claim 138, wherein said means for authentication stored on portal is a name/password pair.

140. The system according to claim 138, wherein said means for authentication stored on portal further includes invoicer authentication.

141. The system according to claim 140, wherein said invoicer authentication is a name/password pair.

142. The system according to claim 77, wherein said means for authentication is invoicer authentication.

143. The system according to claim 142, wherein said invoicer authentication is stored on invoicer'"'"'s site.

144. The system according to claim 143, wherein said invoicer authentication stored on invoicer'"'"'s site is a name/password pair.

145. The system according to claim 77, wherein said means for automatically requesting customer account information is a URL request to invoicer'"'"'s Web site.

146. The system according to claim 77, wherein said customer account information includes invoicer content.

147. The system according to claim 146, wherein said content includes at least one of the following:

current bill “

summary”

, billing/payment history “

summary”

, invoicer notice/messages “

summary”

, notes or detail.

148. The system according to claim 77, wherein said customer account information includes purchase orders.

149. The system according to claim 77, wherein said customer account information includes shipping documents.

150. The system according to claim 77, wherein the data format of said customer account information is at least one of the following:

XML, EDI, graphic, text and IFX/OFX.

151. A method for automated electronic invoicing and payment consolidation for providing remote customer review of customer account information from at least two invoicers having web sites or entities having web sites for acting on behalf of said invoicers, said method comprising the steps of:

(a) providing a consolidated invoicer interface wherein said invoicer interface includes;

(i) at least one access point for at least one customer to each of the invoicers or entities acting on behalf of said invoicers;

(ii) means for setting said access point of each of the invoicers or entities acting on behalf of said invoicers for at least one customer;

(iii) means for authentication of each of said customers; and

(iv) a dynamic inbox adapted to display a list of invoicers that is selectable for display in said dynamic inbox by the at least one customer;

(b) accessing said consolidated invoicer interface through a remote customer interface;

(c) electronically transmitting invoice payment instructions from the customer to each invoicer or entities acting on behalf of said invoicers

(d) installing a data pulling component on said at least two invoicers'"'"' web sites or on web sites of entities working on behalf of said invoicers; and

(e) reading each invoicer'"'"'s data using said data pulling component, packaging said invoicer'"'"'s data and sending said data to said remote customer interface in response to customer data requests using said data pulling component.

152. A method for automated electronic invoicing and payment consolidation for providing remote customer review of customer account information from at least two invoicers having web sites or entities having web sites for acting on behalf of said invoicers using a consolidated invoicer interface, said method comprising the steps of:

(a) providing at least one access point for at least one customer to each of the invoicers or entities acting on behalf of said invoicers, wherein said at least one access point includes a dynamic inbox adapted to display a list of invoicers that is selectable for display in said dynamic inbox by at least one customer;

(b) setting said access point of each of the invoicers or entities acting on behalf of said invoicers for at least one customer;

(c) authenticating each of said customers;

(d) automatically requesting account information for said customers from each of the invoicers or entities acting on behalf of said invoicers;

(e) electronically transmitting invoice payment instructions from the customer to each of the invoicers or entities acting on behalf of said invoicers;

(f) installing a data pulling component on said at least two invoicers'"'"' web sites or on web sites of entities working on behalf of said invoicers; and

(g) reading each invoicer'"'"'s data using said data pulling component, packaging said invoicer'"'"'s data and sending said data to said remote customer interface in response to customer data requests using said data pulling component.

153. A method for automated electronic invoicing and payment consolidation for providing remote customer review of customer account information from at least two invoicers having a web site or entities having a web site for acting on behalf of said invoicers, said method comprising the steps of:

(a) providing a consolidated invoicer interface wherein said invoicer interface includes;

(i) at least one access point for at least one customer to each of the invoicers or entities acting on behalf of said invoicers;

(ii) means for setting said access point of each of the invoicers or entities acting on behalf of said invoicers for at least one customer;

(iii) means for authentication of each of said customers;

(iv) means for automatically requesting account information for said customers from each of the invoicers or entities acting on behalf of said invoicers; and

(v) a dynamic inbox adapted to display a list of invoicers that is selectable for display in said dynamic inbox by the at least one customer;

(b) installing a data pulling component on said at least two invoicers'"'"' web sites or on web sites of entities working on behalf of said invoicers; and

(c) reading each invoicer'"'"'s data using said data pulling component, packaging said invoicer'"'"'s data and sending said data to said remote customer interface in response to customer data requests using said data pulling component; and

(d) sending the customer payment instructions from the customer to each of the invoicers or entities acting on behalf of said invoicers using a payment engine including;

invoice presentation electronics adapted to present an electronic invoice created by or on behalf of said invoicers from customer billing data stored on a server and only extracted by or on behalf of said invoicers for customer review and to request payment instructions relating to automated billing to said customer; and

a remote electronic customer authorization interface adapted to;

(i) receive the customer billing data for customer review and the request for payment instructions from said invoice presentation electronics;

(ii) provide the customer billing data and the request for payment instructions to the customer;

(iii) receive customer payment instructions from the customer in response to the request for payment instructions; and

(iv) transmit the customer payment instructions from the customer to each of the invoicers or entities acting on behalf of said invoicers.