Joyce L Homiak

US Patent:

20090204529, Aug 13, 2009

Filed:

Dec 31, 2008

Appl. No.:

12/347117

Inventors:

Rand Warsaw - Monroeville PA, US
Andy Meyer - Pittsburgh PA, US
Joyce Homiak - Pittsburgh PA, US

International Classification:

G06Q 40/00
G06N 5/02

US Classification:

705 35, 706 52

Abstract:

A system and method for allowing a consumer of a commodity to set the parameters of a budget bill calculation system via an interactive user interface. The parameters are intended to help consumers control their budget bill calculations, payment structure, true-up factors and other aspects of their budget bills. Budget bill payment amounts are calculated based on historic weather patterns, previous consumption, previous bills, mathematical models or may be set by the consumer art a certain amount, and the parameters selected by the consumer. A budget payment amount is then presented to the user including a budget payment amount and, in some cases, an actual or estimated true-up amount including when and how ant recalculations of the budget amount and true-ups will take place.