A bill presentment and payment remittance system is configured for use
over an electronic network, such as the Internet. The bill presentment
and payment remittance system allows the biller to create a bill and
payment remittance information in a format specified by the biller. The
biller submits the bill and associated payment remittance information by
electronically transmitting it over the Internet to the consumer. The
consumer authenticates that the bill did indeed come from the indicated
biller. The bill is presented in a user interface which provides a
line-by-line itemization of the bill, along with a predefined dispute
reasons which the consumer can check to challenge particular items on the
bill.