Automated electronic payment system

An automated electronic customer/buyer payment interface for an automated electronic payment system for providing customer/buyer review of billing from an invoicer/seller, said system comprising:

• (a) means for receiving billing data and a request for payment from said invoicer/seller;
• (b) means for providing the billing data for customer/buyer review and the request for payment to the customer/buyer;
• (c) means for receiving customer/buyer payment instructions from the customer/buyer in response to the request for payment;
• (d) means for transmitting the customer/buyer payment instructions from the customer/buyer to a payment source, said payment instructions including at least a invoicer/seller deposit account number, a payment amount and a customer/buyer payment account number;
• and
• (e) means for providing remittance data associated with the payment from the customer/buyer to said invoicer/seller.

An automated electronic payment system wherein customer/buyer payment instructions are sent from a customer/buyer to a payment source, said system comprising:

• (a) invoice presentation means adapted to present billing data from an invoicer/seller for customer/buyer review and to request payment from the customer/buyer;
• (b) an electronic customer/buyer payment interface having:
• (i) means for receiving the billing data and the request for payment from the invoicer/seller;
• (ii) means for providing the billing data for customer/buyer review and the request for payment to the customer/buyer;
• (iii) means for receiving customer/buyer payment instructions from the customer/buyer in response to the request for payment;
• (iv) means for transmitting the customer/buyer payment instructions from the customer/buyer to the payment source, the payment instructions including at least an invoicer/seller deposit account number, a payment amount and a customer/buyer payment account number;
• and (v) means for providing remittance data associated with said payment from said customer/buyer to said invoicer/seller;
• and
• (c) an automated electronic invoicing and payment system for providing remote customer/buyer review of automated billing from an invoicer/seller, wherein the customer/buyer payment instructions are sent from the customer/buyer directly to the invoicer/seller.

A computerized method for automated electronic payment wherein customer/buyer payment instructions are sent from a customer/buyer to a payment source, said method comprising the steps of:

• (a) presenting billing data from an invoicer/seller for customer/buyer review and to request payment from the customer/buyer;
• and
• (b) receiving the billing data and the request for payment from the invoicer/seller;
• (c) providing the billing data for customer/buyer review and the request for payment to the customer/buyer;
• (d) receiving customer/buyer payment instructions from the customer/buyer in response to the request for payment;
• and
• (e) transmitting the customer/buyer payment instructions from the customer/buyer to the payment source, the payment instructions including at least an invoicer/seller deposit account number, a payment amount and a customer/buyer payment account number.

A computerized method for an automated electronic customer/buyer payment interface for an automated electronic payment system for providing customer/buyer review of billing from an invoicer/seller, said method comprising the steps of:

• (a) receiving billing data and a request for payment from said invoicer/seller;
• (b) providing the billing data for customer/buyer review and the request for payment to the customer/buyer;
• (c) receiving customer/buyer payment instructions from the customer/buyer in response to the request for payment;
• (d) transmitting the customer/buyer payment instructions from the customer/buyer to a payment source, said payment instructions including at least a invoicer/seller deposit account number, a payment amount and a customer/buyer payment account number;
• and
• (e) providing remittance data associated with the payment from the customer/buyer to said invoicer/seller.

A computerized method for automated electronic payment system wherein customer/buyer payment instructions are sent from a customer/buyer to a payment source, said method comprising the steps of:

• (a) presenting billing data from an invoicer/seller for customer/buyer review and to request payment from the customer/buyer;
• (b) receiving the billing data and the request for payment from the invoicer/seller;
• (c) providing the billing data for customer/buyer review and the request for payment to the customer/buyer;
• (d) receiving customer/buyer payment instructions from the customer/buyer in response to the request for payment;
• (e) transmitting the customer/buyer payment instructions from the customer/buyer to the payment source, the payment instructions including at least an invoicer/seller deposit account number, a payment amount and a customer/buyer payment account number;
• and (v) provide remittance data associated with said payment from said customer/buyer to said invoicer/seller;
• and
• (f) providing remote customer/buyer review of automated billing from an invoicer/seller, wherein the customer/buyer payment instructions are sent from the customer/buyer directly to the invoicer/seller.