公开(公告)号：US20240161074A1

公开(公告)日：2024-05-16

申请号：US17986098

申请日：2022-11-14

Applicant: Bank of America Corporation

Inventor： Lalit Dhawan ,  Manu Kurian ,  Kathy E. Robbins ,  Stanley J. Schwartz ,  Radha Karuppannan

IPC: G06Q20/10 ,  G06Q20/14 ,  G06Q20/40

CPC classification number: G06Q20/102 ,  G06Q20/14 ,  G06Q20/40145

Abstract: Apparatus and methods for an intelligent and automatic bill payment decisor are provided. A program may receive two or more bills payable by a user and including information. The program may provide two or more selectable wealth-creation goals to the user and receive the user's selection. The program may also receive access to an account belonging to the user. The program may analyze the two or more bills, the selected wealth-creation goals, the user account, and other information to determine which bill to pay first and in what amount. The program may then transfer funds from the user's account to pay the bill(s) as determined. The program may also negotiate with the payment recipient(s). The program may also pay one or more bills with a revolving line-of-credit.