Warren T Dent

US Patent:

6839687, Jan 4, 2005

Filed:

Dec 13, 1999

Appl. No.:

09/460256

Inventors:

Warren T. Dent - Redmond WA, US
Judy Kaethler - Redmond WA, US
Darren B. Remington - Issaquah WA, US
Bassam Saliba - Kirkland WA, US

Assignee:

Microsoft Corporation - Redmond WA

International Classification:

G06F 1760

US Classification:

705 40, 705 33, 705 42, 705 70, 902 24, 708106

Abstract:

A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e. g. , a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest. When the consumer desires to pay a particular bill, the bill is presented to the consumer through a graphical user interface (UI).

US Patent:

6968319, Nov 22, 2005

Filed:

Dec 10, 1999

Appl. No.:

09/459219

Inventors:

Darren B. Remington - Issaquah WA, US
Warren T. Dent - Redmond WA, US

Assignee:

Microsoft Corporation - Redmond WA

International Classification:

G06F017/60

US Classification:

705 40, 705 34, 705 39, 705 42

Abstract:

A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a bill and payment remittance information in a format specified by the biller. The biller submits the bill and associated payment remittance information by electronically transmitting it over the Internet to the consumer. The consumer authenticates that the bill did indeed come from the indicated biller. The bill is presented in a user interface which provides a line-by-line itemization of the bill, along with a predefined dispute reasons which the consumer can check to challenge particular items on the bill. The bill can then be automatically or manually adjusted to reflect any disputed amounts. Payment of the bill is preferably in the form of a “direct debit check” that is formed by the consumer software using the billing and remittance information provided in the bill to automatically name the biller as the payee.

US Patent:

7475039, Jan 6, 2009

Filed:

Oct 29, 2004

Appl. No.:

10/977327

Inventors:

Darren B. Remington - Issaquah WA, US
Warren T. Dent - Camano Island WA, US

Assignee:

Microsoft Corporation - Redmond WA

International Classification:

G06Q 40/00

US Classification:

705 40

Abstract:

A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a bill and payment remittance information in a format specified by the biller. The biller submits the bill and associated payment remittance information by electronically transmitting it over the Internet to the consumer. The consumer authenticates that the bill did indeed come from the indicated biller. The bill is presented in a user interface which provides a line-by-line itemization of the bill, along with a predefined dispute reasons which the consumer can check to challenge particular items on the bill.

US Patent:

7478066, Jan 13, 2009

Filed:

Nov 5, 2004

Appl. No.:

10/981875

Inventors:

Darren B. Remington - Issaquah WA, US
Warren T. Dent - Camano Island WA, US

Assignee:

Microsoft Corporation - Redmond WA

International Classification:

G06Q 40/00

US Classification:

705 40

Abstract:

A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a bill and payment remittance information in a format specified by the biller. The biller submits the bill and associated payment remittance information by electronically transmitting it over the Internet to the consumer. The consumer authenticates that the bill did indeed come from the indicated biller. The bill is presented in a user interface which provides a line-by-line itemization of the bill, along with a predefined dispute reasons which the consumer can check to challenge particular items on the bill. The bill can then be automatically or manually adjusted to reflect any disputed amounts. Payment of the bill is preferably in the form of a “direct debit check” that is formed by the consumer software using the billing and remittance information provided in the bill to automatically name the biller as the payee.

US Patent:

7516101, Apr 7, 2009

Filed:

Nov 5, 2004

Appl. No.:

10/981883

Inventors:

Darren B. Remington - Issaquah WA, US
Warren T. Dent - Camano Island WA, US

Assignee:

Microsoft Corporation - Redmond WA

International Classification:

G06Q 99/00

US Classification:

705 40

Abstract:

A bill presentment and payment remittance system is configured for use over an electronic network, such as the Internet. The bill presentment and payment remittance system allows the biller to create a bill and payment remittance information in a format specified by the biller. The biller submits the bill and associated payment remittance information by electronically transmitting it over the Internet to the consumer. The consumer authenticates that the bill did indeed come from the indicated biller. The bill is presented in a user interface which provides a line-by-line itemization of the bill, along with a predefined dispute reasons which the consumer can check to challenge particular items on the bill.

US Patent:

7610245, Oct 27, 2009

Filed:

Nov 15, 2004

Appl. No.:

10/989084

Inventors:

Warren T. Dent - Camano Island WA, US
Judy Kaethler - Redmond WA, US
Darren B. Remington - Issaquah WA, US
Bassam A. Saliba - Issaquah WA, US

Assignee:

Microsoft Corporation - Redmond WA

International Classification:

G06Q 40/00

US Classification:

705 40, 708106, 902 24

Abstract:

A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e. g. , a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest. When the consumer desires to pay a particular bill, the bill is presented to the consumer through a graphical user interface (UI).

US Patent:

7636689, Dec 22, 2009

Filed:

Nov 15, 2004

Appl. No.:

10/988719

Inventors:

Warren T. Dent - Camano Island WA, US
Judy Kaethler - Redmond WA, US
Darren B. Remington - Issaquah WA, US
Bassam A. Saliba - Issaquah WA, US

Assignee:

Microsoft Corporation - Redmond WA

International Classification:

G06Q 40/00

US Classification:

705 40, 705 39

Abstract:

A consumer-based bill management and payment system is configured to receive, analyze, manage and pay electronic billing statements received from the biller over the Internet. The system includes a notification manager that detects when the electronic bill arrives and notifies the consumer. The bill is stored in memory with other unpaid electronic bills. According to another aspect of the invention, the system has a cashflow analyzer that enables the consumer to coordinate the unpaid electronic bills according to different payment schedules for a bill payment cycle (e. g. , a month). The goal of the manipulation is to permit the consumer to analyze how the different payment schedules affect the consumer's cashflow with an aim toward minimizing overdraft during the bill payment cycle. The cashflow analyzer can automatically compute an optimized payment schedule that minimizes overdraft of the consumer's account, while maximizing the balance to generate the most interest. When the consumer desires to pay a particular bill, the bill is presented to the consumer through a graphical user interface (UI).

US Patent:

7827102, Nov 2, 2010

Filed:

Dec 29, 2000

Appl. No.:

09/751436

Inventors:

Bassam A. Saliba - Issaquah WA, US
Kyle S. Young - Redmond WA, US
Michael L. Waterston - Seattle WA, US
Warren T. Dent - Redmond WA, US

Assignee:

Microsoft Corporation - Redmond WA

International Classification:

G06Q 40/00

US Classification:

705 40, 705 27, 705 34, 705 39, 705 43, 709200

Abstract:

A method facilitating secure financial transactions using email is presented comprising the steps of receiving bill data at a server implementing the method, and generating an email message to a recipient with information including at least a portion of the received bill data. The amount of bill data included in the email message is based, at least in part, on the email address of the recipient.