Automated Budget Management, Multiple Payment, and Payment Authority Management

摘要

A direct debit authority management system facilitates bill payments involving a customer, a bank or financial body, and multiple billers who each bill the customer. A customer service module enables a customer to create or modify direct debit authorities for the billers. A customer registration process is facilitated by the interface to capture information for multiple billers and to establish a direct debit authority for each biller before a bill is rendered by the respective biller. A repository stores customer direct debit authorities for multiple billers, storing customer information following the customer registration process and storing biller information following the biller registration process. The system links a customer with a biller through the direct debit authority and allows a biller to draw funds from a customer based on the stored direct debit authority.