US 2026/0148219 A1Published application

Aggregating payment funds

AssigneeBank of America Corporation

InventorHannah Furr

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Abstract

Apparatus and methods for an intelligent and automatic payment aggregator are provided. A program may receive access to two or more accounts comprising monetary funds belonging to a user. The program may transmit various criteria to the user so that the user can select one or more of the criteria for the program to base its decisions on. The user may provide one or more bills to the program for the program to pay according to various factors. The program may analyze the one or more bills, the selected criteria, the user accounts, and other information to determine how much of each bill should be paid from each account. The program may then aggregate and transfer funds from the accounts 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.

Claims20

Dependent claims

An automatic payment aggregator computer program product, the computer program product comprising executable instructions, the executable instructions when executed by a processor on a computer system:

receive owner-level access, over a computer network, to two or more accounts belonging to a user, wherein each account comprises monetary funds;
transmit, over the network, to a user device belonging to the user, two or more selectable criteria;
display, on a graphical user interface of the user device, the two or more selectable criteria;
receive, over the network, one or more criteria selected by the user from the two or more selectable criteria;
receive, over the network, one or more bills payable by the user;
analyze, by an artificial intelligence/machine learning algorithm, the one or more bills;
determine, through the artificial intelligence/machine learning algorithm, an amount of the one or more bills to pay with each of the two or more accounts;
and
automatically aggregate and transfer the determined amount from each of the two or more accounts to a payment recipient;
wherein:
the artificial intelligence/machine learning algorithm is trained on:
historical payments by the user;
historical payments by others;
reinforcement data;
and
other data;
each of the one or more bills comprises data specifying:
an amount;
the payment recipient;
a payment due date;
and
payment information;
and
to determine the amount, the artificial intelligence/machine learning algorithm analyzes at least:
the one or more bills;
the selected one or more criteria;
and
a set of requirements for satisfaction of the selected one or more criteria with the determined amount.

25 more elements

An apparatus for automatic payment funds aggregation, the apparatus comprising:

a central server, the central server including:
a server communication link;
a server processor;
and
a server non-transitory memory configured to store at least:
a server operating system;
and
an automatic payment aggregator application;
and
a user device belonging to a user, the user device including:
a device communication link;
a device processor;
a biometric authenticator;
a device graphical user interface;
and
a device non-transitory memory configured to store at least:
a device operating system;
and
an interface in electronic communication over the device communication link with the automatic payment aggregator application;
wherein:
the automatic payment aggregator application:
receives owner-level access, over a computer network, to two or more accounts belonging to a user, wherein each account comprises monetary funds;
transmits, over the network, to the user device, two or more selectable criteria;
displays, on the device graphical user interface, the two or more selectable criteria;
receives, over the network, one or more criteria selected by the user from the two or more selectable criteria;
receives, over the network, one or more bills payable by the user;
analyzes, by an artificial intelligence/machine learning algorithm, the one or more bills;
determines, through the artificial intelligence/machine learning algorithm, an amount of the one or more bills to pay with each of the two or more accounts;
and
automatically aggregates and transfers the determined amount from each of the two or more accounts to a payment recipient;
the artificial intelligence/machine learning algorithm is trained on:
historical payments by the user;
historical payments by others;
reinforcement data;
and
other data;
each of the one or more bills comprises data specifying:
an amount;
the payment recipient;
a payment due date;
and
payment information;
and
to determine the amount, the artificial intelligence/machine learning algorithm analyzes at least:
the one or more bills;
the selected one or more criteria;
and
a set of requirements for satisfaction of the selected one or more criteria with the determined amount.

45 more elements

A method for automatically aggregating and paying one or more bills from multiple user accounts, the method comprising the steps of:

receiving, at an automatic payment aggregator application located at a central server and over a computer network, owner-level access to two or more accounts belonging to a user, wherein each account comprises monetary funds;
transmitting, over the network, to a user device belonging to the user, two or more selectable criteria;
displaying, on a graphical user interface of the user device, the two or more selectable criteria;
receiving, over the network, one or more criteria selected by the user from the two or more selectable criteria;
receiving, over the network, one or more bills payable by the user;
analyzing, by an artificial intelligence/machine learning algorithm of the payment aggregator application, the one or more bills;
determining, through the artificial intelligence/machine learning algorithm, an amount of the one or more bills to pay with each of the two or more accounts;
and
automatically aggregating and transferring the determined amount from each of the two or more accounts to a payment recipient;
wherein:
the artificial intelligence/machine learning algorithm is trained on:
historical payments by the user;
historical payments by others;
reinforcement data;
and
other data;
each of the one or more bills comprises data specifying:
an amount;
the payment recipient;
a payment due date;
and
payment information;
and
to determine the amount, the artificial intelligence/machine learning algorithm analyzes at least:
the one or more bills;
the selected one or more criteria;
and
a set of requirements for satisfaction of the selected one or more criteria with the determined amount.

25 more elements

Dependencies are inferred from the claim text.

Facts

Application: 18/963,631Filed 28 Nov 2024
Published: 28 May 2026
Term ends: Not estimatedThe source records don’t support an estimate.

Classification8 codes

G06Q 20/227
Payment schemes or models: characterised in that multiple accounts are available, e.g. to the payer
G06Q 20/102
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: bill distribution or payments
G06Q 20/108
Specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems: remote banking, e.g. home banking
G06Q 20/40
Payment protocols; Details thereof: authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and…

Family

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