Single source money management system

A single source money management system, comprising:

• (a) establishing a money management account;
• (b) establishing a discretionary fund account;
• (c) depositing/transferring money to said money management account directly using automatic payment of at least one customer's predictable payment;
• (d) retaining money in said money management account as required for bill payment;
• (e) depositing/transferring excess money from said money management account into said discretionary fund account;
• and
• (f) paying bills on a customer determined schedule directly from said money management account using said money retained in said money management account.

A single source money management system, comprising:

• (a) at least one customer seeking to manage finances;
• (b) at least one predictable payment system having automatic payment capabilities;
• (c) at least one financial institution capable of receiving predictable payment from said at least one predictable payment system;
• (d) at least one money management account established at said at least one financial institution for each said at least one customer, said at least one financial institution depositing/transferring a customer predetermined dollar amount of said predictable payment for each said at least one customer to an associated said at least one money management account;
• (e) at least one discretionary fund account established at said at least one financial institution for each said at least one customer, said at least one financial institution depositing/transferring money in excess of said customer predetermined dollar amount from said predictable payment for each said at least one customer to an associated said at least one discretionary fund account;
• and
• (f) at least one bill pay system for paying bills from money withdrawn from said at least one money management account.

A single source money management system used by a financial institution to allow customers to automate their committed spending, said system comprising:

• (a) said financial institution establishing a money management account and a discretionary fund account in response to a customer's request to participate in said system;
• (b) said financial institution receiving money on a periodic basis from a customer's at least one predictable payment system having automatic payment capabilities;
• (c) said financial institution depositing/transferring said money to said money management account;
• (d) said financial institution retaining money in said money management account as required for bill payment;
• (e) said financial institution depositing/transferring excess money from said money management account into said discretionary fund account;
• and
• (f) said financial institution paying bills on a customer determined schedule directly from said money management account using said money retained in said money management account.

A secure internet shopping system and network, comprising:

• (a) at least one financial institution having a financial institution web system, said at least one financial institution linked to said network;
• (b) at least one vendor having a vendor web system linked to said network, each said at least one vendor offering at least one good/service on its vendor web system;
• (b) at least one customer having access to said secure internet shopping system via said network, said at least one customer selecting at least one good/service from a selected vendor web system;
• (c) a single source money management system presenting a list of accounts held at said at least one financial institution for said at least one customer;
• (d) said at least one customer selecting an account from said list of accounts from which to make payment for the selected at least one good/service;
• (e) said at least one customer being transferred to said financial institution web system;
• and
• (f) said at least one customer authorizing payment at said financial institution web system to the vendor associated with the selected at least one good/service.

A single source money management system for administering transactions between entities outside said system, said entities including at least one customer, at least one financial institution, and at least one predictable payment source, said system comprising:

• (a) monitoring money provided by said at least one predictable payment source and held by said at least one financial institution;
• (b) administering at least one money management account established at said at least one financial institution for each said at least one customer;
• (c) administering at least one discretionary fund account established at said at least one financial institution for each said at least one customer, (d) directing said at least one financial institution to deposit/transfer a customer predetermined dollar amount of said money for each said at least one customer to an associated said at least one money management account;
• (e) directing said at least one financial institution to deposit/transfer money in excess of said customer predetermined dollar amount from said money for each said at least one customer to an associated said at least one discretionary fund account;
• and
• (f) controlling payments of bills from money withdrawn from said at least one money management account.

A single source money management software program for administering transactions between entities, said entities including at least one customer, at least one financial institution, and at least one predictable payment source, said software program comprising:

• (a) means for monitoring money provided by said at least one predictable payment source and held by said at least one financial institution;
• (b) means for administering at least one money management account established at said at least one financial institution for each said at least one customer;
• (c) means for administering at least one discretionary fund account established at said at least one financial institution for each said at least one customer,
• (d) means for directing said at least one financial institution to deposit/transfer a customer predetermined dollar amount of said money for each said at least one customer to an associated said at least one money management account;
• (e) means for directing said at least one financial institution to deposit/transfer money in excess of said customer predetermined dollar amount from said money for each said at least one customer to an associated said at least one discretionary fund account;
• and
• (f) means for controlling payments of bills from money withdrawn from said at least one money management account.