Patent ID: 8244609

Claim:
A computer-implemented method, comprising: at a mobile client computing device, automatically receiving via a network and storing on behalf of a bill payer, by a manageability engine (ME) of the mobile client computing device, information from an online bill payment service describing past bill payments or bills with payments due for the bill payer, without intervention of the bill payer, if the mobile client computing device is coupled to the network, wherein a first processor of the mobile client computing device operates the ME independent of a second processor of the mobile client computing device that operates an application environment of the mobile client computing device, wherein the first and second processors are different processors; at the mobile client computing device, receiving one or more payment instructions from a user via the application environment to make one or more payments for one or more bills, independent of whether the mobile client computing device is coupled to the network; at the mobile client computing device, storing the received payment instructions independent of whether the mobile client computing device is coupled to the network; and at the mobile client computing device, if the mobile client computing device is coupled to the online bill payment service via the network, sending by the ME, the payment instructions to the online bill payment service to cause the one or more payments to be made.