Directing payments to satisfy periodic financial obligations

A computer storage medium encoded with a computer program, the computer program comprising instructions, that when executed by data processing apparatus, cause the data processing apparatus to perform operations comprising:

• collecting data corresponding to one or more user transactions, where each transaction is a payment made by a first financial institution;
• identifying one or more periodic financial obligations of a first user from the data;
• associating a specific biller with each periodic financial obligation;
• generating a visual user interface and providing the visual user interface to a client computer of the first user, where the visual user interface identifies one or more specific billers, where each specific biller is associated with at least one of the periodic financial obligations of the first user, and where the visual user interface provides a mechanism through which the first user can submit a make-payments notification identifying one of the one or more specific billers;
• receiving a first make-payments notification, where the first make-payments notification identifies a first specific biller associated with a first periodic financial obligation;
• determining whether the first specific biller is automatically requesting payments to satisfy the first periodic financial obligation from the first financial institution, and if so, causing a first cease-billing instruction to be sent to the first specific biller, where the first cease-billing instruction instructs the second biller to stop requesting payments to satisfy the first periodic financial obligation from the first financial institution;
• causing a first billing instruction to be sent to the first specific biller, where the first billing instruction instructs the first specific biller to automatically request payments from a second financial institution to satisfy the first periodic financial obligation.

A system comprising one or more computers programmed to perform operations comprising:

• collecting data corresponding to one or more user transactions, where each transaction is a payment made by a first financial institution;
• identifying one or more periodic financial obligations of a first user from the data;
• associating a specific biller with each periodic financial obligation;
• generating a visual user interface and providing the visual user interface to a client computer of the first user, where the visual user interface identifies one or more specific billers, where each specific biller is associated with at least one of the periodic financial obligations of the first user, and where the visual user interface provides a mechanism through which the first user can submit a make-payments notification identifying one of the one or more specific billers;
• receiving a first make-payments notification, where the first make-payments notification identifies a first specific biller associated with a first periodic financial obligation;
• determining whether the first specific biller is automatically requesting payments to satisfy the first periodic financial obligation from the first financial institution, and if so, causing a first cease-billing instruction to be sent to the first specific biller, where the first cease-billing instruction instructs the second biller to stop requesting payments to satisfy the first periodic financial obligation from the first financial institution;
• causing a first billing instruction to be sent to the first specific biller, where the first billing instruction instructs the first specific biller to automatically request payments from a second financial institution to satisfy the first periodic financial obligation.