Patent ID: 8965798
Filing Date: 2015-02-24
Classification: G06Q

Abstract:
1. A system for generating and delivering a reimbursement request from a customer of a financial institution, the system comprising: at least one processor; a non-transitory computer readable memory device having instructions thereon that when executed by a processor, cause the processor to perform a method comprising: post a plurality of electronic bills to an account of the customer at the financial institution; receive information regarding the plurality of electronic bills that are posted to the account of the customer at the financial institution; store the information regarding the plurality of electronic bills in a non-transitory computer readable memory device; display a transaction list to the customer, wherein the transaction list comprises transactions on the customer's account at the financial institution, wherein each of the transactions indicates a transfer from the customer's account to a third-party payee, wherein the transfer is based on information regarding a corresponding electronic bill; receive from the customer an indication of a transaction to be reimbursed, wherein the transaction to be reimbursed is selected from the transaction list; receive from the customer an indication of a recipient of the reimbursement request, wherein the recipient of the reimbursement request is not the third-party payee; receive from the customer an indication of a reimbursement request amount; receive from the customer a text message, the text message being directed to the recipient of the reimbursement request; generate the reimbursement request, wherein the generating of the reimbursement request comprises: packaging an indication of the customer, a description of the transaction to be reimbursed, the indication of the recipient, and the indication of the reimbursement request amount into a message format; and incorporating the text message into the message format upon receipt of the text message from the customer; and wherein the reimbursement request comprises the indication of the customer, the description of the transaction to be reimbursed, the indication of the recipient, the indication of the reimbursement request amount, and the text message; and transmit the reimbursement request to the recipient; and display a reimbursement request list that indicates the status of the transmitted reimbursement request, wherein the reimbursement request list provides an option to cancel the reimbursement request that was transmitted to the recipient.