Patent ID: 8630946

Claim:
A method for implementing a catch-up program with a delinquent account owner, the method comprising: collecting, by a web page interface, information from the delinquent account owner regarding: an asset account, wherein the asset account comprises a selection from a group consisting of: a paycheck, a bank account, and a revolving credit account; and authentication information, wherein the authentication information authenticates that the delinquent account owner authorizes access to the asset account for making at least one payment to a delinquent account; accessing, by the web page interface, a payment planning system; providing, from the web page interface, information regarding the delinquent account and the asset account to the payment planning system, the information including: an account number of the delinquent account; information regarding the asset account; the authentication information; and an indication that at least one of the account number of the delinquent account, the information regarding the asset account, or the authentication information was or was not provided by a third party bill collector; accessing by the web page interface the asset account using the authentication information providing, from the web page interface to the payment planning system, information regarding an amount to be transferred from the asset account to the delinquent account, a total number of transfers, a frequency of transfers, and a date of an initial transfer; and receiving, at the web page interface, from the payment planning system a conformation of an initiation of a catch-up program.