One bill date on a graphical user interface

Abstract

Systems and methods that help ensure that assist a user with bill payment on a graphical user interface (GUI) are described. After receiving bill payment information from the user through the GUI, bill payments are aggregated over a given period of time, allowing a user to make a single payment to ensure that all appropriate bills and/or invoices are paid in a timely fashion. Through use of the GUI, a user can avoid the traditional hassle and stress of tracking and paying bills.

1 . (canceled) 
     
     
         2 . A computer system, comprising:
 one or more processors, one or more computer-readable memories, with program instructions stored on the one or more computer-readable memories, the one or more processors configured to execute the program instructions to cause the system to perform the operations comprising:
 receiving an authorization, from a user via a graphical user interface (GUI), to retrieve a plurality of bills from the plurality of billers; 
 retrieving the plurality of bills from the plurality of billers, wherein each of the plurality of bills comprise billing data; 
 establishing a bill payment date with the plurality of billers; 
 calculating a consolidated payment amount for the plurality of bills; 
 consolidating the billing data into an interface of the GUI; 
 causing to be displayed the consolidated payment amount and the billing data in the interface of the GUI, wherein the interface comprises an interactive option for a confirmation of the consolidated payment amount without requiring individual responses for each of the plurality of bills; and 
 in response to receiving the confirmation, electronically accessing one or more payment methods and processing a payment of the consolidated payment amount. 
   
     
     
         3 . The system of  claim 2 , the operations further comprising:
 in response to receiving the confirmation, determining funds required by the user to cover at least a portion of the payment of the consolidated payment amount based on the electronically accessing the one or more payment methods;   determining a risk profile for a repayment of the funds by the user based on a past transaction history of the user, the one or more payment methods, and funding sources available to the user for the repayment of the funds; and   wherein the processing the payment of the consolidated payment amount is in part using the funds based on the risk profile.   
     
     
         4 . The system of  claim 2 , the operations further comprising receiving a second authorization to electronically access the one or more payment methods for the bill processing with the plurality of billers. 
     
     
         5 . The system of  claim 2 , the operations further comprising updating the consolidated payment amount and the billing data based on input received from the user, via the GUI, to add a bill to the plurality of bills or remove a bill from the plurality of bills. 
     
     
         6 . The system of  claim 2 , wherein the establishing the bill payment date is based on analyzing expected expenses and expected income corresponding to the user. 
     
     
         7 . The system of  claim 2 , the operations further comprising providing an option to the user, via the GUI, to create a reoccurring payment for one or more of the plurality of bills. 
     
     
         8 . The system of  claim 2 , wherein the processing the payment of the consolidated payment amount includes providing the user with a consumer credit based on a security analysis of the user and utilizing the consumer credit for at least a portion of the payment of the consolidated payment amount. 
     
     
         9 . A method comprising:
 receiving, by a computer system, an authorization, from a user via a graphical user interface (GUI), to retrieve a plurality of bills from the plurality of billers;   retrieving, by the computer system, the plurality of bills from the plurality of billers, wherein each of the plurality of bills comprise billing data;   determining, by the computer system, a bill payment date for the plurality of bills;   calculating, by the computer system, a consolidated payment amount based on information associated with the plurality of bills;   consolidating, by the computer system, the billing data into an interface of the GUI;   causing to be displayed, by the computer system, the consolidated payment amount and the billing data in the interface of the GUI, wherein the interface comprises an interactive option for a confirmation of the consolidated payment amount without requiring individual responses for each of the plurality of bills; and   in response to receiving the confirmation, electronically accessing, by the computer system, one or more payment methods and processing a payment of the consolidated payment amount.   
     
     
         10 . The method of  claim 9 , further comprising:
 in response to receiving the confirmation, determining, by the computer system, funds required by the user to cover at least a portion of the payment of the consolidated payment amount based on the electronically accessing the one or more payment methods;   determining, by the computer system, a risk profile for a repayment of the funds by the user based on a past transaction history of the user, the one or more payment methods, and funding sources available to the user for the repayment of the funds; and   wherein the processing the payment of the consolidated payment amount is in part using the funds based on the risk profile.   
     
     
         11 . The method of  claim 9 , further comprising receiving, by the computer system, a second authorization to electronically access the one or more payment methods for the bill processing with the plurality of billers. 
     
     
         12 . The method of  claim 9 , further comprising updating, by the computer system, the consolidated payment amount and the billing data based on input received from the user, via the GUI, to add a bill to the plurality of bills or remove a bill from the plurality of bills. 
     
     
         13 . The method of  claim 9 , wherein the establishing the bill payment date is based on analyzing expected expenses and expected income corresponding to the user. 
     
     
         14 . The method of  claim 9 , further comprising providing, by the computer system, an option to the user, via the GUI, to create a reoccurring payment for one or more of the plurality of bills. 
     
     
         15 . The method of  claim 9 , wherein the processing the payment of the consolidated payment amount includes providing the user with a consumer credit based on a security analysis of the user and utilizing the consumer credit for at least a portion of the payment of the consolidated payment amount. 
     
     
         16 . A computer program product comprising:
 one or more computer-readable tangible storage devices, and program instructions stored on at least one of the one or more storage devices, the program instructions when executed cause a machine to perform operations comprising:
 receiving an authorization, from a user via a graphical user interface (GUI), to retrieve a plurality of bills from the plurality of billers; 
 retrieving the plurality of bills from the plurality of billers, wherein each of the plurality of bills comprise billing data; 
 determining a bill payment date for the plurality of bills; 
 calculating a consolidated payment amount for the plurality of bills; 
 consolidating the billing data into an interface of the GUI; 
 causing to be displayed the consolidated payment amount and the billing data in the interface of the GUI, wherein the interface comprises an interactive option for a confirmation of the consolidated payment amount without requiring individual responses for each of the plurality of bills; and 
 in response to receiving the confirmation, electronically accessing one or more payment methods and processing a payment of the consolidated payment amount. 
   
     
     
         17 . The computer program product of  claim 16 , the operations further comprising:
 in response to receiving the confirmation, determining funds required by the user to cover at least a portion of the payment of the consolidated payment amount based on the electronically accessing the one or more payment methods;   determining a risk profile for a repayment of the funds by the user based on a past transaction history of the user, the one or more payment methods, and funding sources available to the user for the repayment of the funds; and   wherein the processing the payment of the consolidated payment amount is in part using the funds based on the risk profile.   
     
     
         18 . The computer program product of  claim 16 , the operations further comprising receiving a second authorization to electronically access the one or more payment methods for the bill processing with the plurality of billers. 
     
     
         19 . The computer program product of  claim 16 , further comprising updating the consolidated payment amount and the billing data based on input received from the user, via the GUI, to add a bill to the plurality of bills or remove a bill from the plurality of bills. 
     
     
         20 . The computer program product of  claim 16 , wherein the establishing the bill payment date is based on analyzing expected expenses and expected income corresponding to the user. 
     
     
         21 . The computer program product of  claim 16 , further comprising providing an option to the user, via the GUI, to create a reoccurring payment for one or more of the plurality of bills.