| 摘要 |
The Personal Finance Management (PFM) system of the present invention can be connected to a bank server and a plurality of electronic bill presentation and payment ("EBPP") servers via the Internet and obtain a user's bank account information data from the bank server and billing information data from the EBPP servers. The PFM system can present a user with a payment schedule based on the bank account information and the billing information so that the user can manage his/her finance matters efficiently. Furthermore, the PFM system can enable the user to determine when and how to pay the bill. The PFM system of the present invention, which can be connected to a bank server and a plurality of EBPP servers over the Internet, comprises means for obtaining the user's bank account information data from a bank server; means for collecting billing information data from each of the EBPP servers, said billing information data including an amount to be paid and payment due date; means for presenting a payment schedule based on said bank account information data and said billing information data; and means for enabling the user to select how and when to pay the bills and forwarding said user's selection on the payment to the bank server.
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