Electronic financial management and analysis system and related methods

• US 7,774,271 B1
• Filed: 05/08/2006
• Issued: 08/10/2010
• Est. Priority Date: 07/19/2000
• Status: Expired due to Fees

• Current Assignee: Globys Inc
• Original Assignee: Globys Inc
• Inventors: Edwards, Derek J., Edwards, Duane S., Chalcraft, Michael G.
• Primary Examiner(s): Havan; Thu Thao
• Application Number:
  US11/382,230
• Time in Patent Office: 1,555 Days
• Field of Search: 705 38- 40
• US Class Current: 705/38
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• 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
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G06Q 40/03 Credit; Loans; Processing thereof
• CPC Class Codes: G06Q 40/10 Tax strategies
• CPC Class Codes: G06Q 40/12 Accounting

Abstract

A computing system facilitating electronic bill presentment and payment features for authorized users via a user interface is introduced including an analysis engine. The analysis engine, in response to user interaction with the user interface, selectively performs user-defined analysis on at least a subset of retrieved billing information associated with one or more billers. The analysis engine further generates one or more user-defined report(s) based, at least in part, on the user-defined analysis.

Claims

1. A computing system facilitating electronic bill presentment and payment services for authorized users, the computing system comprising:

an analysis engine, to perform a customer-defined analysis on at least a subset of retrieved billing information associated with one or more billers and to generate an associated customer-defined report based, at least in part, on the customer-defined analysis; and

a user interface, coupled to the analysis engine, to enable a customer to interact with and control the analysis engine, wherein the customer generates the customer-defined analysis using the user interface, the customer being different from the one or more billers, and

wherein the analysis engine generates the customer-defined report in response to receiving an indication from the user interface.

2. A computing system according to claim 1, wherein the user interface enables a customer to interact with and control electronic bill presentment, analysis and payment services of the computing system.

3. A computing system according to claim 1, wherein the customer is authorized to selectively invoke the analysis engine, while another customer is authorized to make payments in satisfaction of an electronic bill.

4. A computing system according to claim 1, wherein the user interface enables the customer to define one or more fields of a data structure comprising billing information.

5. A computing system according to claim 4, wherein the user interface enables the customer to define analysis protocols utilizing billing information from one or more user-defined fields.

6. A computing system according to claim 5, wherein one or more of the customer-defined analysis protocols are selectively invoked by the customer via the user interface.

7. A computing system according to claim 1, wherein the analysis engine generates the customer-defined report in accordance with a customer-defined format based, at least in part, on the analysis of the retrieved billing information.

8. A computing system according to claim 1, wherein the billing information is selectively retrieved from one or more of a local data store and a remote data store, communicatively coupled to the computing system via a network.

9. A computer-readable medium encoded with a plurality of executable instructions for implementing an electronic bill presentment, analysis and payment (EBP AP) system including an analysis engine, wherein the executable instructions are arranged to perform actions including:

selectively executing a customer-defined analysis of one or more attributes of billing information received from billers for presentment and payment authorization;

receiving a customer indication to generate one or more reports, the customer being different from the billers; and

in response to receiving the customer indication, generating the one or more reports in accordance with associated customer-defined formats reflecting a result of said analysis.

10. A computer-readable medium according to claim 9, wherein the EBP AP system is implemented by a telecommunications company, enabling customers of the telecommunications company to access and analyze billing information via a telecommunications company server.

11. A computer-readable medium according to claim 9, wherein the EBP AP system is implemented by an independent service provider, enabling customers of the service provider to access and analyze billing information from affiliated billers using one or more of the independent service provider'"'"'s servers.

12. A computer-readable medium according to claim 9, wherein the EBP AP system is invoked on a server by a customer from one or more of a kiosk, personal computer, communications device, personal digital assistant, and a thin-client device via a communicatively coupled data network.

13. A computer-readable medium according to claim 9, wherein the EBP AP system is implemented by a billing company, enabling one or more of a customer and a customer'"'"'s customer of the billing company to access and analyze billing information via a billing company server.