Abstract: A method and apparatus for facilitating data management over a network are described. In one preferred embodiment, a request to display aggregate transaction data for a user is received, the aggregate transaction data containing data related to multiple disparate transactions organized into categories based on corresponding category codes and transaction codes associated with each transaction. The aggregate transaction data are retrieved from a database. A report containing the aggregate transaction data is generated and displayed for the user in a user interface area.

Abstract: An Internet based bill payment system and method is provided that allows a consumer to push payments and/or information to any payee from the consumer's credit card account. One embodiment of the invention allows the customer to make a payment to any payee from an enterprise credit card or any other credit account of the enterprise, referred to as “Bill Pay advance.” One embodiment of the invention is provided which allows an enterprise's consumer credit card customers to sign up for and use the enterprise's bill pay advance system, whether or not the consumer has a demand deposit account (DDA) account. The invention allows the customer to designate either source of funds for payment and for any payee they choose to pay. One embodiment of the invention offers an interchange push methodology with customer choice of the payment source of funds and intelligent routing.