Interactive bill payment center

• US 7,933,834 B2
• Filed: 07/13/2009
• Issued: 04/26/2011
• Est. Priority Date: 12/08/1998
• Status: Expired due to Fees

• Current Assignee: Yodlee Incorporated (Envestnet Incorporated)
• Original Assignee: Yodlee.com, Inc. (Envestnet Incorporated)
• Inventors: Scott, Jennifer Green, Kumar, Srihari, Kelley, John, Desai, Satyen, Pandurangan, Senthil Kumar, Hayward, Blake Earl
• Primary Examiner(s): Colbert; Ella
• Assistant Examiner(s): GREENE, DANIEL LAWSON
• Application Number:
  US12/501,733
• Publication Number:
  US 20100005025A1
• Time in Patent Office: 652 Days
• Field of Search: 705/35, 705/30, 705 38- 42, 707/500
• US Class Current: 705/42
• CPC Class Codes: G06F 16/9535 Search customisation based on user profiles and personalisation
• CPC Class Codes: G06F 16/957 Browsing optimisation, e.g. caching or content distillation
• CPC Class Codes: G06F 16/958 Organisation or management of web site content, e.g. publishing, maintaining pages or automatic linking
• CPC Class Codes: G06F 21/41 where a single sign-on provides access to a plurality of computers
• CPC Class Codes: G06F 2221/2119 Authenticating web pages, e.g. with suspicious links
• 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 20/108 Remote banking, e.g. home banking
• 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 40/12 Accounting
• CPC Class Codes: H04L 67/02 based on web technology, e.g. hypertext transfer protocol [HTTP]
• CPC Class Codes: H04L 67/56 Provisioning of proxy services store-and-forward switching systems in data switching networks H04L12/54
• CPC Class Codes: H04L 67/567 Integrating service provisioning from a plurality of service providers

Abstract

A software suite for enabling viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on a data-packet-network is provided. A bill-payment module is provided within the software suite and comprises, an interactive main interface accessible from the module for listing the bills due and payment accounts, an interactive history link embedded in the main interface for providing access to a secondary interface for viewing bill history, an interactive set-up link embedded in the main interface for providing access to a secondary interface for configuring recurring payments, an interactive transfer-funds link embedded in the main interface for providing access to a secondary interface for enabling automated transfer of funds between registered accounts, an interactive calendar link embedded in the main interface for providing access to a secondary interface for viewing calendar data, a plurality of interactive drop-down menus, each menu associated with a listed bill, the menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill and an interactive refresh-all link embedded in the main interface for enabling selective or complete data refreshing of data displayed in the interface. A user operating the main interface from a remote node having access to the data-packet-network may view all aggregated bills and initiate treatment of such bills according to selected interactive options. The treatment is ordered by the operating user and performed by proxy by a service entity hosting the interface.

Claims

1. A computerized Internet-connected server storing and executing a software suite for viewing and manipulation of multiple categories of aggregated data compiled from a plurality of data sources and accessible through a single interfacing node operated on the Internet, the software providing a bill-payment module comprising:

an interactive main interface accessible from the module for listing the bills due and payment accounts accessed by the bill-payment module for paying the bills;

an interactive history link embedded in the main interface for providing access to a secondary interface for viewing bill history;

an interactive set-up link embedded in the main interface for providing access to a secondary interface for configuring recurring payments;

an interactive transfer-funds link embedded in the main interface for providing access to a secondary interface for enabling automated transfer of funds between registered accounts;

an interactive calendar link embedded in the main interface for providing access to a secondary interface for viewing calendar data;

a plurality of interactive drop-down menus, each menu associated with a listed bill, the menus providing upon invocation a plurality of selectable, interactive options for treating the listed bill; and

an interactive refresh-all link embedded in the main interface for enabling selective or complete data refreshing of data displayed in the interface, characterized in that a user operating the main interface from a remote node having access to the Internet may view all aggregated bills and initiate treatment of such bills according to selected interactive options, the treatment ordered by the operating user and performed by proxy by a service entity hosting the interface.

2. The bill-payment module of claim 1, wherein the plurality of data sources are services accessible over the Internet and subscribed to by the operating user.

3. The bill-payment module of claim 2, wherein the accessible services are hosted in file servers addressed on the Internet network.

4. The bill-payment module of claim 3, wherein the remote node is a personal computer with accessibility to the Internet.

5. The bill-payment module of claim 4, wherein the main and secondary interfaces are provided in the form of hyper-text-markup-language.

6. The bill-payment module of claim 3, wherein the remote node is a cellular telephone with accessibility to the Internet.

7. The bill-payment module of claim 3, wherein the remote node is a handheld computer with accessibility to the Internet.

8. The bill-payment module of claim 3, wherein the interactive set-up link provides an additional secondary interface for manually adding new bills to be listed in the main interface for bill payment.

9. The bill-payment module of claim 5, wherein the interactive options for treating a listed bill include viewing a full account of the bill, paying the bill, marking the bill as paid, deleting the bill, obtaining advice regarding selected treatment of the bill, and receiving an alert associated with the bill.

10. The bill-payment module of claim 9, wherein obtaining advice regarding selected treatment of the bill includes calculated and solution-oriented results.

11. If the bill-payment module of claim 9, wherein selection of the option for viewing a full account of the bill causes automated navigation and log-in to a third party site hosting a full accounting of the bill.