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1. (WO2014193429) METHODS SYSTEMS AND COMPUTER PROGRAM PRODUCTS FOR ELECTRONIC BILL PAYMENT

Pub. No.:    WO/2014/193429    International Application No.:    PCT/US2013/056516
Publication Date: Fri Dec 05 00:59:59 CET 2014 International Filing Date: Sat Aug 24 01:59:59 CEST 2013
IPC: G06Q 20/12
Applicants: INTUIT INC.
Inventors: FURBISH, Kevin
Title: METHODS SYSTEMS AND COMPUTER PROGRAM PRODUCTS FOR ELECTRONIC BILL PAYMENT
Abstract:
Computer-implemented methods, systems and computer program products for automatic bill payment. The method includes receiving an electronic version of a bill at a bill receiver computer, the bill being received from a source through a network, wherein the bill is payable by a user, and has bill characteristics. The method also includes the bill receiver computer performing a comparison of the bill characteristics of the received bill with pre-determined guardrails associated with an account of the user. The method further includes the bill receiver computer determining whether the bill characteristics trigger a pre-determined guardrail based, at least in part, upon the comparison. Moreover, the method includes the bill receiver computer paying the received bill when the bill characteristics of the received bill do not trigger the predetermined guardrail, else the bill receiver computer transmitting a request to authorize bill payment to a user computer.