Voice enabled electronic bill presentment and payment system

摘要

A method for audibly providing billing services from an electronic billing server to a user in which telephone communication is established between the electronic billing server and the user such that billing details are provided in a spoken language from the electronic billing server to the user. The billing details provided by the electronic billing server relate to a billing account associated with the user and are contained in the electronic billing server. The user is enabled to provide payment instructions to the electronic billing server that relate to the provided billing information through the established telephony communication between the electronic billing server and the user. The electronic billing server then initiates an order from the electronic server to a user's bank to initiate the user's payment instructions.