Patent ID: 7516101
Filing Date: 2009-04-07
Classification: G06Q

Abstract:
1. A method for presenting a bill to a consumer, the method comprising: generating a bill and associated payment remittance information at a biller with a computer processor, the payment remittance information being arranged within a data structure according to a format prescribed by the biller, the data structure having one or more open data fields to hold data that a consumer can enter or alter mad one or more closed data fields to hold data that the consumer cannot alter, the remittance information further including hidden structured remittance data that is kern hidden from the consumer displaying a bill presentment user interface (UI) on a visual display, the bill presentment UI including items on the bill with predefined dispute reasons expressing possible reasons why the consumer might wish to challenge a particular item on the bill; and whereupon selection on an input device by a user of a particular predefined dispute reason for a particular item on the bill, is included in a data structure to be returned to a biller the particular predefined dispute reason for the particular item on the bill with payment remittance information; and transmitting the payment remittance information, including the structured remittance data, from the consumer back to the biller in the format prescribed by the biller.