Wireless mobile communicator for contactless payment on account read from removable card

A wireless mobile communication apparatus for automatic bill payment, comprising:

• a card reader configured to removably receive a gift card in a card receiving position and read account data from the gift card;
• a memory;
• and
• a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:
• receive from a user of the wireless mobile communication apparatus a request to generate an automatic bill payment account number;
• generate the automatic bill payment account number in response to the request;
• receive a selection of an account identifier from a plurality of account identifiers corresponding to a plurality of funding accounts, each funding account providing the funds for the automatic bill payment, wherein the plurality of account identifiers includes an account identifier corresponding to the gift card;
• associate the account identifier with the automatic bill payment account number;
• and
• initiate an automatic bill payment transaction with a merchant for payment of an amount due on an account corresponding to the user of the wireless mobile device by providing the automatic bill payment account number.

A processor-readable non-transitory medium storing processor-issuable instructions to:

• receive from a user of a wireless mobile device a request to generate an automatic bill payment account number;
• generate the automatic bill payment account number in response to the request;
• receive a selection of an account identifier corresponding to a funding account providing the funds for the automatic bill payment;
• associate the account identifier with the automatic bill payment account number;
• and
• initiate an automatic bill payment transaction with a merchant for payment of an amount due on an account corresponding to the user of the wireless mobile device by providing the automatic bill payment account number.

A wireless mobile communication system for automatic bill payment, comprising:

• a memory;
• and
• a processor disposed in communication with said memory, and configured to issue a plurality of processing instructions stored in the memory, wherein the processor issues instructions to:
• receive from a user of a wireless mobile device a request to generate an automatic bill payment account number;
• generate the automatic bill payment account number in response to the request;
• receive a selection of an account identifier corresponding to a funding account providing the funds for the automatic bill payment;
• associate the account identifier with the automatic bill payment account number;
• and
• initiate an automatic bill payment transaction with a merchant for payment of an amount due on an account corresponding to the user of the wireless mobile device by providing the automatic bill payment account number.