Voice enabled electronic bill presentment and payment system

A method for audibly providing billing services from an electronic billing server to a user, comprising:

• including a voice recognition system in the electronic billing server for recognizing the user's spoken instructions and authenticating the user's voice;
• the user prescribing alternative delivery methods in the electronic billing server for delivering billing details to the user in the prescribed alternative delivery method in the event telephony connection is not established with the user during a preferred time period;
• initiating telephony connection between the electronic billing server and the user;
• authenticating the user's voice via the voice recognition system after telephony connection has been established between the user and the electronic billing server;
• providing billing details in a spoken language from the electronic billing server to the user relating to a billing account associated with the user through the telephony connection, which further includes the step of:
• the user selecting to hear billing details associated with one of a
• plurality of billing accounts associated with the user and
• prescribed in the electronic billing server;
• providing payment instructions from the user to the electronic billing server relating to a payment associated with the user's billing account through the telephony connection, which further includes the step of:
• the user selecting one format of payment instructions to be sent to
• a users bank selected from a plurality of differing payment instruction formats that are prescribed and heard from the electronic billing server;
• and
• initiating an order from the electronic server to a user's bank to initiate the payment instructions associated with the user's billing account.

A method for audibly providing billing services from an electronic billing server to a user, comprising:

• providing an electronic billing server containing billing information relating to at least one billing account associated with the user which is configured to audibly convey the billing information to the user in a spoken language through the user's telephone;
• providing a voice recognition system in the electronic billing server for recognizing the user's spoken instructions and authenticating the user's voice;
• the user prescribing alternative delivery methods in the electronic billing server for delivering billing details to the user in the prescribed alternative delivery method in the event telephony connection is not established with the user during a preferred time period;
• initiating telephony connection between the electronic billing server and the user;
• authenticating the user's voice via the voice recognition system after telephony connection has been established between the user and the electronic billing server;
• providing billing details in a spoken language from the electronic billing server to the user relating to a billing account associated with the user through the telephony connection, which further includes the step of:
• the user selecting to hear billing details associated with one of a
• plurality of billing accounts associated with the user and
• prescribed in the electronic billing server;
• providing payment instructions from the user in a spoken language to the electronic billing server relating to a payment associated with the user's billing account through the telephony connection, which further includes the step of:
• the user selecting one format of payment instructions to be sent to
• a users bank selected from a plurality of differing payment instruction formats that are prescribed and heard from the electronic billing server;
• and
• initiating an order from the electronic server to a user's bank to initiate the payment instructions associated with the user's billing account.