METHOD AND SYSTEM FOR INTEGRATING DISCRETE INVOICES INTO A PERSONAL FINANCIAL MANAGEMENT AND BILL PAYMENT SYSTEM AND THEN AGGREGATING DISCRETE INVOICES HAVING THE SAME PAYEE BUSINESS INTO A SINGLE PAYMENT TRANSFER TRANSACTION

摘要

Invoice related financial transaction data is obtained and integrated into a personal financial management and bill payment system. Then all requested invoice payments associated with invoices represented in the invoice related financial transaction data having the same payee business are identified and collected into aggregated first payee business invoice payment request related financial transaction data. The aggregated first payee business invoice payment request related financial transaction data is then analyzed to determine the aggregated total amount owed to the payee business and this aggregated total amount is processed as a single funds transfer item by the personal financial management and bill payment system.