Pay yourself first with auto bill pay system and method
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United States of America Patent
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Sep 17, 2013
Issued Date -
N/A
app pub date -
May 24, 2004
filing date -
Feb 6, 2004
priority date (Note) -
In Force
status (Latency Note)
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Abstract
The invention encourages users to not only pay themselves first, but to pay themselves first in the largest amounts possible, even if they are not able to fully pay outstanding debts. In general, the system obtains information related to the user's income, income sources, user's debts (e.g., bills) and user's goals. The system then provides recommendations related to the prioritization of paying certain bills and the amount to pay for each bill based upon, for example, savings goals, minimum amounts due, due dates and available income. The system and/or the user may then determine a payment hierarchy which includes transferring funds to the user's savings account prior to paying all or a portion of certain bills. The system also transfers instructions related to payment of user debts to an automatic bill payment system to facilitate payment of the user debts.
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Family
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Cited Art Landscape
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