Pay yourself first with transfer options

Details Pay yourself first with transfer options Pay yourself first with transfer options

2004-05-24

2010-12-07

Nguyen, Nga B. (Department: 3684)

Data processing: financial, business practice, management, or co

Automated electrical financial or business practice or...

Finance

C705S026640, C705S027200, C705S035000, C705S03600T, C705S040000

Reexamination Certificate

active

07849007

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, wherein the transfer of funds may include different funds transfer systems and methods.

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