Patent ID: 8688576

Claim:
An apparatus for implementing bill control, the apparatus comprising: a memory; a processor; and a module stored in the memory, executable by the processor, and configured to: determine whether a bill is due within a predetermined period; receive and verify authentication credentials; in response to determining the bill is due within the predetermined period and in response to verifying the authentication credentials: initiate, via a mobile network, presentation of the bill in a list of bills; initiate, via the mobile network, presentation of a duration in which the bill is due, wherein the duration is illustrated as a graphical bar chart; initiate, via the mobile network, presentation of an option to authorize payment of the bill via the mobile network; in response to receiving selection of the option to pay the bill, initiate presentation of a pop-up window superimposed on the list of bills, wherein the pop-up window enables authorization of payment of the bill via a financial institution account, wherein a partial portion of the list of bills, but not the entire list of bills, is visible simultaneously with the pop-up window; and in response to receiving selection of the option to pay the bill, transmit a message to a merchant associated with the bill, wherein the message comprises a payment method for paying the bill.