United Services Automobile Association (usaa)

Marc William Hildebrand

Jeff Easley

Customers of a financial institution may apply for a line of credit for use with, e.g., a web-based bill pay service. The credit line may be determined using an average value of the customer's previously direct-deposited paychecks and an analysis of the customer's spending behavior using the web-based bill pay service. In some implementations, the financial institution may aggregate data points associated with the customer to make a determination of an amount, an interest rate, and a term of the line of credit. The line of credit may be used to pay bills from a financial services institution and unrelated third-party billers with which the customer has a payment history, as well as provide for cash for use by the customer.

Systems and methods for loan origination and servicing based on a recurring deposit of funds

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.

Systems and methods for automatic bill pay enrollment

Electronic payments are typically initiated on a bank's web site, and then routed to a third-party processor for payment. There may be different processors having different pricing structures. Routing software may be provided that routes payments to the various processors (or causes payments to be processed without a third-party processor) based on considerations of cost-effectiveness. For example, the routing software may choose the payment processor that has the lowest price for a certain type of payment, or may route a certain number of payments to a processor in order to fulfill volume pricing minimums, or may aggregate payments for several days in order to handle the payments in one transaction and reduce transaction fees.

Systems and methods for routing bill payments

A system, method, and computer-usable medium are disclosed for the remote deposit of funds into a financial account from a point of purchase (POP) terminal. Funds are received from an account holder for remote deposit. Checks are scanned and a check image transaction is originated by the POP terminal to deposit the funds value of one or more checks into one or more financial accounts associated with the account holder. Cash funds are received and a debit transaction is originated to transfer the funds value of the cash from an account of a financial institution associated with the POP terminal into a financial account associated with the account holder. The POP terminal receives acknowledgment from the account holder's financial institution of the receipt of the deposits. The account holder is then provided the acknowledgement.

Systems and methods for remote deposit service

Various embodiments of the present disclosure are directed to systems and methods to provide a payment. The systems and methods provide techniques to provide customers one-click access to a plurality of websites and to enable customers to provide payments electronically. The provider may store access information for the plurality of websites and provide the access information to the websites at the request of the customer. Additionally, the provider may enable the customers to provide payments from a plurality of different financial accounts electronically.

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San Antonio, TX, United States of America

Marc William Hildebrand