Bill control

US8688576B2 · kind B2 · utility

Assignee

• Bank of America Corporation · US

Inventors

• Carrie Anne Hanson · Charlotte, US
• Scott R. Enscoe · Charlotte, US
• Alexander C. Wittkowski · Charlotte, US
• David M. Grigg · Rock Hill, US
• Daniel David · Charlotte, US
• Katherine Dintenfass · Charlotte, US
• Brett Newman · Burlingame, US
• Leo Kopelow · San Francisco, US
• Yameng Li · Beijing, CN
• Nicole Chen · San Francisco, US
• Nicholas Sharp · Toronto, CA

Key dates

• Filing date: Jul 6, 2012
• Grant date: Apr 1, 2014
• Expiry date: Jul 6, 2032

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Embodiments of the invention are directed to systems, methods and computer program products for implementing bill control. The invention enables a user of a financial institution account to maintain controls over bills via a single interaction point. In some embodiments, a method comprises determining whether a bill is due within a predetermined period; in response to determining the bill is due within the predetermined period: initiating, via a mobile network, presentation of a duration in which the bill is due; initiating, via the mobile network, presentation of an option to authorize payment of the bill via the mobile network; and in response to receiving selection of the option to pay the bill, authorizing payment of the bill via a financial institution account.