Bill payment and reporting

  • US 10,269,065 B1
  • Filed: 07/13/2016
  • Issued: 04/23/2019
  • Est. Priority Date: 11/15/2013
  • Status: Active Grant
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First Claim
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1. A computing system comprising:

  • a computer processor configured to execute instructions associated with;

    an account data gathering system,a user interface system,a payment system,a payment reporting system, andan alert system;

    the account data gathering system configured to;

    gather credit data associated with a user from a credit bureau, wherein the credit data comprises information on a first account of the user with a first creditor, a second account of the user with a second creditor, and a current credit score of the user; and

    identify the first account, the first creditor, the second account, and the second creditor from the credit data;

    the user interface system configured to;

    generate user interface data executable to present a user interface indicating the current credit score of the user, the first account associated with the first creditor and the second account associated with the second creditor;

    generate, as part of the user interface, a first payment button associated with the first account, wherein the first payment button is configured to;

    enable the user to initiate a first payment to the first creditor associated with the first account; and

    report the first payment to the credit bureau;

    generate, as part of the user interface, a first payment source selection interface element configured to receive selection of one or more of a plurality of payment accounts of the user from which the first payment to the first creditor is to be drawn;

    generate, as part of the user interface, a second payment button associated with the second account, wherein the second payment button is configured to;

    enable the user to initiate a second payment to the second creditor associated with the second account; and

    report the second payment to the credit bureau;

    generate, as part of the user interface, a second payment source selection interface element configured to receive selection of one or more of the plurality of payment accounts of the user from which the second payment to the second creditor is to be drawn;

    receive, via inputs from the user in the user interface, a selection of the first payment button, a first payment account of the plurality of payment accounts, the second payment button, and a second payment account of the plurality of payment accounts; and

    communicate the selection to the payment system;

    the payment system configured to, in response to receiving the selection from the user interface system;

    generate a first payment instruction for transferring of a first payment amount from the first payment account of the user to the first creditor;

    initiate the first payment to the first creditor using the first payment instruction;

    generate a second payment instruction for transferring of a second payment amount from the second payment account of the user to the second creditor; and

    initiate the second payment to the first creditor using the second payment instruction;

    the payment reporting system configured to;

    generate aggregate payment data including indications of the first payment to the first creditor and the second payment to the second creditor;

    transmit the aggregate payment data to the credit bureau; and

    communicate the aggregate payment data to the alert system;

    the alert system configured to;

    determine an expected credit score by determining an expected impact on a current credit score of the user in response to the first payment to the first creditor and the second payment to the second creditor;

    generate an alert for delivery to a user computing device,the alert configured to display, on the user computing device, the expected credit score, wherein the expected credit score is different from the current credit score, andthe alert including instructions for activating an application on the user computing device to enable a connection with the computing system to cause details of the aggregate payment data including the indications of the first payment to the first creditor and the second payment to the second creditor to be displayed; and

    cause transmission of the alert to the user computing device over a wireless communication channel.

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