Electronic invoicing and payment system

A remote electronic customer authorization interface for an automated electronic invoicing and payment system for providing remote customer review of automated billing from an invoicer, wherein the customer payment instructions are sent from the customer directly to the invoicer said system comprising:

• (a) means for receiving customer billing data for customer review and a request for payment instructions from said invoicer;
• (b) means for receiving customer payment instructions from the customer in response to said request for payment instructions from said invoicer;
• and
• (c) means for transmitting the customer payment instructions from the customer directly to said invoicer, said payment instructions including at least a customer invoice account number and an associated customer payment account.

An automated electronic invoicing and payment system for providing remote customer review of automated billing from an invoicer, wherein the customer payment instructions are sent from the customer directly to the invoicer, said system comprising:

• (a) invoice presentation electronics adapted to present customer billing data for customer review and to request payment instructions relating to automated billing to said customer;
• (b) a remote electronic customer authorization interface, said customer interface including:
• means for receiving customer billing data for customer review and a request for payment instructions from said invoicer;
• means for receiving customer payment instructions from the customer in response to said request for payment instructions from said invoicer;
• and means for transmitting the customer payment instructions from the customer to said invoicer, said interface adapted to:
• (i) receive the customer billing data for customer review and to request for payment instructions from said invoice presentation electronics;
• (ii) provide the customer billing data for customer review and the request for payment instructions to the customer, (iii) receive customer payment instructions from the customer in response to the request for payment instructions;
• and (iv) transmit the customer payment instructions from the customer directly to said invoicer, said payment instructions including at least a customer invoice account number and an associated customer payment account;
• and
• (c) a payment source, said invoice presentment electronics adapted to transmit the payment instructions to the payment source after customer review.

A computerized method for automated electronic invoicing and payment system for providing remote customer review of automated billing from an invoicer, wherein the customer payment instructions are sent from the customer directly to the invoicer, said method comprising the steps of:

• (a) presenting customer billing data for customer review and requesting payment instructions relating to automated billing to said customer using an invoice presentation electronics;
• and
• (b) receiving the customer billing data for customer review and the request for payment instructions from said invoice presentation electronics to said customer using a remote electronic customer authorization interface;
• and
• (c) providing customer payment instructions from the customer in response to the request for payment instructions directly to said invoicer, said payment instructions including at least a customer invoice account number and an associated customer payment account.

A computerized method for automated electronic invoicing and payment system for providing remote customer review of automated billing from an invoicer using a remote electronic customer authorization interface, wherein the customer payment instructions are sent from the customer directly to the invoicer, said method comprising the steps of:

• (a) receiving customer billing data for customer review and a request for payment instructions from said invoicer;
• (b) receiving customer payment instructions from the customer in response to said request for payment instructions from said invoicer;
• and
• (c) transmitting the customer payment instructions from the customer directly to said invoicer, said payment instructions including at least a customer invoice account number and an associated customer payment account.

A computerized method for automated electronic invoicing and payment system for providing remote customer review of automated billing from an invoicer, wherein customer payment instructions are sent from the customer directly the invoicer, said method comprising the steps of:

• (a) presenting customer billing data for customer review and requesting payment instructions relating to automated billing to said customer using an invoice presentation electronics;
• (b) authorizing payment using a remote electronic customer authorization interface, said customer interface including:
• means for receiving customer billing data for customer review and a request for payment instructions from said invoicer, means for receiving customer payment instructions from the customer in response to said request for payment instructions from said invoicer;
• and means for transmitting the customer payment instructions from the customer to said invoicer, said interface adapted to:
• (i) receive the customer billing data for customer review and the request for payment instructions from said invoice presentation electronics;
• (ii) provide the customer billing data for customer review and the request for payment instructions to the customer;
• (iii) receive customer payment instructions from the customer in response to the request for payment instructions;
• and (iv) transmit the customer payment instructions from the customer directly to said invoicer, said payment instructions including at least a customer invoice account number and an associated customer payment account;
• and
• (c) transmitting the payment instructions to a payment source after customer review using said invoice presentment electronics.