Patent ID: 8768833
Filing Date: 2014-07-01
Classification: G06Q

Abstract:
1. A transaction system, comprising: a first Internet-connected service provider enterprise; a plurality of second enterprises maintaining each at least one financial account belonging to a specific person in which the person has a monetary balance, each of the second enterprises having a Web site accessible to the service provider enterprise; a plurality of third enterprises maintaining at least one billing account specific to the person, each of the third enterprises having a Web site directly accessible by the service provider enterprise; and an interactive user interface provided by the service provider enterprise and executable on an end user appliance, displaying an indication of a monetary balances of the at least one financial account and bills reflecting an amount owed by the person; characterized in that the first enterprise automatically navigates to the Web sites of the plurality of second and third enterprises, logging into the Web sites on behalf of the user, scrapes and aggregates account and billing information, and the user, through the interactive interface of the service provider enterprise, initiates an instruction to pay a bill at one of the plurality of third enterprises using funds from an associated financial account at one of the plurality of second enterprises by dragging the indication of the financial account to the indication of the bill or by dragging the indication of the bill to the indication of the financial account, and the service provider enterprise causes the funds to be transferred on behalf of the person from the financial account at the selected second enterprise to an account of the selected third enterprise.