| US 7,610,245 B2 | ||
| Consumer-based system and method for managing and paying electronic billing statements | ||
| Warren T. Dent, Camano Island, Wash. (US); Judy Kaethler, Redmond, Wash. (US); Darren B. Remington, Issaquah, Wash. (US); and Bassam A. Saliba, Issaquah, Wash. (US) | ||
| Assigned to Microsoft Corporation, Redmond, Wash. (US) | ||
| Filed on Nov. 15, 2004, as Appl. No. 10/989,084. | ||
| Application 10/989084 is a division of application No. 09/460256, filed on Dec. 13, 1999, granted, now 6,839,687. | ||
| Application 09/460256 is a division of application No. 08/926156, filed on Sep. 09, 1997, granted, now 6,128,603, filed on Oct. 03, 2000. | ||
| Prior Publication US 2005/0065883 A1, Mar. 24, 2005 | ||
| Int. Cl. G06Q 40/00 (2006.01) | ||
| U.S. Cl. 705—40 [708/106; 902/24] | 17 Claims |
| 1. A cashflow analyzer embodied as a computer program on a computer-readable medium, that when executed on a computer performs
the steps comprising:
collecting unpaid electronic bills received electronically from a biller via a computer network; and
providing a graphical user interface on a display comprising:
a payment schedule comprising an organizable listing of unpaid bills for a bill payment cycle;
a dynamic account summary displaying an account balance for each day within the bill payment cycle;
updating the dynamic account summary when a consumer reorganizes the listing of unpaid bills cashflow items for a the bill
payment cycle; and
automatically generating an optimized payment schedule for a particular bill payment cycle that maximizes interest or minimizes
overdraft of the consumer's account.
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