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SYSTEM FOR ALLOWING A USER TO CONTROL THE MANNER AND AMOUNT PAID TO SETTLE ACCOUNT TRANSACTIONS

  • US 20120179605A1
  • Filed: 01/06/2011
  • Published: 07/12/2012
  • Est. Priority Date: 01/06/2011
  • Status: Abandoned Application
First Claim
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1. A method for paying bills within a bill payment system feature of an electronic banking account, comprising:

  • maintaining an electronic banking account as a computer record on at least one database of a bank service provider system;

    enrolling said banking account into an online bill payment system that is accessible via an electronic communications network;

    receiving at least one bill having an amount to be paid within said online bill payment system;

    presenting said at least one bill, over said electronic communications network, to a user for payment via a user interface embodied in a personal computing device when the user accesses said banking account via said user interface;

    dividing the amount of the bill into at least two smaller payments in response to a user request; and

    periodically collecting one of said smaller payments from the banking account until the total amount is paid.

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