This is done using a system like MessagingDirect's M-Bill. Transfer of bill to the personal finance software. This key step is discussed below. The personal finance software manages the payment. This capability is a key part of a personal finance system.
Payment is made from the bank to the biller.
The mechanics of this step are complex, but the details are not important here, as it uses systems that are in place and work well. The transfer of the bill from the e-mail client to the personal finance software is a key step. The bill is transferred over for payment, which is managed by the personal finance software. This format is easily imported into personal finance software packages. It is useful to integrate e-mail client and finance software tightly, to help the user manage this type of operation.