Payment reporting systems
AssigneeConsumerInfo.com, Inc.
InventorsMark Joseph Kapczynski, Michael John Dean
Life of this patent
Estimating the term…
Abstract
A system is disclosed for reporting payments to one or more credit bureaus according to instructions provided by a consumer. The system may provide the consumer with one or more user interfaces from which the consumer can select one or more options to report payments made to billers. In some embodiments, the reporting options are included as part of a biller's website or a bill payment center website. The system may enable faster reporting of payments made to some billers and may report payments made to billers who would not otherwise report payments.
Claims19
A computing system, the computing system comprising:
- memory;
- and
- one or more processors in communication with the memory and configured by processor-executable instructions to:
- receive payment data from a plurality of third-party entities indicating payments made by a user to the third-party entities, including a first payment made to a first third-party entity;
- generate user interface data to be displayed on a user computing device, the user interface data comprising:
- an indication of the first payment made to the first third-party entity;
- and
- an interactive user interface element configured to initiate reporting of the first payment to a credit bureau;
- and
- in response to a user selection of the interactive user interface element, transmit information regarding the first payment to one or more credit bureaus, wherein the information regarding the first payment is transmitted to the one or more credit bureaus before information regarding the first payment is transmitted by the first third-party entity to the one or more credit bureaus.
A computer-implemented method comprising:
- receiving payment data from a plurality of third-party entities indicating payments made by a user to the third-party entities, including a first payment made to a third-party entity;
- generating user interface data to be displayed on a user computing device, the user interface data comprising:
- an indication of the first payment made to the third-party entity;
- and
- an interactive user interface element configured to initiate reporting of the first payment to a credit bureau;
- and
- in response to a user selection of the interactive user interface element,
- transmitting information regarding the first payment to one or more credit bureaus, wherein the information regarding the first payment is transmitted to the one or more credit bureaus before information regarding the first payment is transmitted by the third-party entity to the one or more credit bureaus.
A non-transitory computer storage medium storing computer-executable instructions that, when executed by a processor, cause the processor to:
- receive payment data from a plurality of third-party entities indicating payments made by a user to the third-party entities, including a payment made to a third-party entity;
- generate user interface data to be displayed on a user computing device, the user interface data comprising:
- an indication of the payment made to the third-party entity;
- and
- an interactive user interface element configured to initiate reporting of the payment to a credit bureau;
- and
- in response to a user selection of the interactive user interface element,
- transmit information regarding the payment to one or more credit bureaus, wherein the information regarding the payment is transmitted to the one or more credit bureaus before information regarding the payment is transmitted by the third-party entity to the one or more credit bureaus.
Dependencies are inferred from the claim text.