Interactive bill payment center

• US 7,937,325 B2
• Filed: 02/16/2001
• Issued: 05/03/2011
• Est. Priority Date: 12/08/1998
• Status: Active Grant

• 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:
  US09/785,929
• Publication Number:
  US 20010032182A1
• Time in Patent Office: 3,728 Days
• Field of Search: 705 26- 42, 709/223, 709/224, 715/500, 707 8- 10, 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 server on a data network including software for providing a bill payment service for a user comprising a bill-payment module for navigating to the user'"'"'s multiple data sources on the data network collecting and aggregating data on behalf of the user comprising, a main interface for listing the bills due and payment accounts of the user, a plurality of links enabling viewing and manipulation of bill history, recurring payments, and automated transfer of funds between registered accounts and a link for viewing calendar data. The system further provides a plurality of drop-down menus wherein each menu is associated with a listed bill, the menus providing a plurality of selectable, interactive options for viewing, managing and paying a bill and a link embedded in the main interface for enabling selective or complete data refreshing of data displayed in the interface.

Claims

1. A computerized server connected to the Internet executing software providing an interactive bill-payment service comprising:

an Internet-connected computerized appliance providing access to Internet sites for a user;

a first Internet site hosted by the server accessible by the computerized appliance comprising a first instance of the software providing an interactive interface enabling the user to select, view and pay itemized bills accessed from billing sources having Internet sites other than the first Internet site; and

a second Internet site hosted by a second computerized server operating a second instance of the software, accessible to the first Internet site, the second instance of software automatically navigating to the billing sources, by proxy, on the Internet subscribed to by the user, logging in to the user'"'"'s billing sources as if the user collecting itemized bills and bill-related data for the user, and providing the itemized bills and bill-related data to the first Internet site.

2. The interactive bill-payment service of claim 1, wherein the first Internet site is a portal server providing a personalized interface for the user in hypertext markup language.

3. The interactive bill-payment service of claim 2, wherein the billing sources are subscribed to by the user requiring the second software at the second Internet site to enter a username and password on behalf of the user, authorized by the user, for access to user bill information.

4. The interactive bill-payment service of claim 3, wherein the Internet-connected computerized appliance is a personal computer with accessibility to the Internet.

5. The interactive bill-payment service of claim 3, wherein the Internet-connected computerized appliance is a cellular telephone with accessibility to the Internet.

6. The interactive bill-payment service of claim 3, wherein the Internet-connected computerized appliance is a hand-held computer with accessibility to the Internet.

7. The interactive bill-payment service of claim 3, wherein the second Internet site stores aggregated bill data on behalf of the user in a connected data repository remote from the second server node.

8. The interactive bill-payment service of claim 7, wherein the interactive software interface at the first Internet site is linked to a plurality of secondary interfaces provided in the form of hypertext markup language.

9. The interactive bill-payment service of claim 8, wherein management of the listed bills include at least viewing a complete representation of the bill, marking that the bill has been paid, deleting the bill, and receiving an alert associated with the bill.

10. The interactive bill-payment service of claim 9, wherein selected management of the bill includes recommendations from the service.