Patent ID: 8498914

Claim:
An automated service system for soliciting a person to initially subscribe to a bill-paying service, comprising: an Internet-enabled data aggregation enterprise providing a first service through a first Internet web site and executed by software stored on a computer-readable medium coupled to a server at the web site, the enterprise collecting and aggregating data associated with the person from a variety of sources in the Internet, and providing the aggregated information to the person over Internet connection; a second service presented as an online bill pay service hosted by a bank providing banking services through a second Internet web site separate from the data aggregation service, the bank hosting a bank account excluding not currently enrolled in an on-line bill-paying service for the person, the person being a client both of the bank and the data aggregation service; wherein the data aggregation service, with authorization of the person, collects data for the person from the bank account hosted by the bank, determines by a server, from the collected data that the person has not previously subscribed to the second service hosted by the bank, collects further data necessary to initially set up an on-line bill-paying service for the person with the bank, sets up necessary software modules to initiate a new online bill-paying service at the bank for the person, queries the person through the Internet to elect to initially subscribe to the second service hosted by the bank and presents the modules to the person.