Systems and methods for automatic bill pay enrollment

摘要

A system for bill pay enrollment may comprise at least one subsystem that scans a paper a bill into a digital image, at least one subsystem that recognizes information on the digital image, and at least one subsystem that uses at least some of the recognized information to enroll a payee into a bill pay system.

主权项

1. A method of bill pay enrollment, comprising:
receiving, at a bill pay system, an image of a bill associated with a user of the bill pay system, wherein the bill is a credit card bill; identifying, by a processor, a payee, and a due date for the credit card bill by optically recognizing identifiers on the credit card bill, wherein optically recognizing identifiers on the credit card bill comprises:
locating a label on the image of the bill, andsearching within a predefined area of the label on the image of the bill; checking a user account of the user within a database of the bill pay system for a duplicate enrollment of the payee; enrolling the payee into the bill pay system when the duplicate enrollment of the payee is not detected in the database for the user account; and in response to the processor identifying an interest rate of a credit card associated with the credit card bill from the image of the bill, automatically transmitting, to the user, an offer for a credit card with a lower interest rate than the credit card associated with the credit card bill.