Patent ID: 6128603
Filing Date: 2000-10-03
Classification: G06Q

Abstract:
A consumer-based electronic bill management system implemented on a user interface unit, comprising:a notification module to notify a consumer when electronic bills arrive;a cashflow analysis module to enable the consumer to manage payment of the electronic bills based on impact to the consumer's cashflow, the cashflow analysis module presenting a graphical user interface (GUI) on the user interface unit that allows the consumer to arrange representations of unpaid bills according to different payment schedules, the GUI showing a list of unpaid electronic bills and a date line with dates in the bill payment cycle;the cashflow analysis module being confirmed to enable the consumer to drag and drop the unpaid bill icons from the list onto certain dates of the date line to define the payment schedules and automatically adjust the consumer's cashflow during the bill payment cycle as the consumer drops the unpaid bill icons on selected dates; anda payment analysis module to enable the consumer to determine how much of the electronic bill the consumer is willing to pay and when that payment should occur.