Patent ID: 9129268
Filing Date: 2015-09-08
Classification: G06Q

Abstract:
1. A computer-implemented method, comprising: collecting, in a first computer system, data corresponding to one or more user transactions from a second computer system of a first financial institution, where each transaction is an individual payment made by the first financial institution, wherein the data describes respective individual payments; extracting, from the data corresponding to the one or more user transactions, information that identifies one or more periodic financial obligations of a first user, wherein each periodic financial obligation is a regularly repeating obligation that the first user owes to a particular biller; identifying, from the extracted information, the one or more periodic financial obligations of the first user; associating, in the first computer system, a specific biller with each identified periodic financial obligation; providing a visual user interface to a client computer of the first user, where the visual user interface identifies one or more specific billers, where each specific biller is associated with at least one of the periodic financial obligations of the first user, and where the visual user interface provides a mechanism through which the first user can submit a make-payments notification identifying one of the one or more specific billers; receiving, in the first computer system and from the first user, a first make-payments notification, where the first make-payments notification identifies a first specific biller associated with a first periodic financial obligation of the first user and a second financial institution for satisfying the first periodic financial obligation of the first user; determining, in the first computer system, that the first specific biller is automatically requesting payments to satisfy the first periodic financial obligation from the first financial institution, wherein automatically requesting payments to satisfy the first periodic obligation includes the first specific biller charging or debiting an account of the first user at the first financial institution without direct user input; and in response to determining that the first specific biller is automatically requesting payments to satisfy the first periodic financial obligation from the first financial institution, sending a first cease-billing instruction to the first specific biller, where the first cease-billing instruction instructs the first specific biller to stop requesting payments to satisfy the first periodic financial obligation from the first financial institution, and sending a first billing instruction to the first specific biller, where the first billing instruction instructs the first specific biller to automatically request payments from a second financial institution to satisfy the first periodic financial obligation; collecting, in the first computer system, additional data corresponding to one or more additional user transactions; and examining, by the first computer system, the additional data to determine when the first financial institution has stopped making payments to the first specific biller to meet the first periodic financial obligation.