Abstract: Methods and systems for providing protection to an individual or party from penalties associated with late or missed payments of bills, invoices and other charges are described. The methods and systems can warn a user of possible penalties and take correction action to avoid incurring the penalty. In an example, a computerized method, and system for performing the method can include receiving data about a plurality of payments to be paid by at least one party, the data includes at least one penalty associated with at least one of the payments, ranking the payments based at least partially upon the penalty and determining an order for the payments to be paid.

Abstract: Methods and systems for providing supplemental insurance to insure the deductible amount of a primary insurance policy are described. In an example, data is received about a first insurance policy of an insured party; a deductible amount of the first insurance policy is determined; a premium to insure the deductible amount is determined using a computing device and a second insurance policy for the deductible amount is offered to the insured party. In an example, the first insurance policy may be provided by a third party provider. In an example, all of the deductible amounts of the insured party's insurance policies may be added and supplemental insurance for the total deductible amount offered. In an example, the deductible amounts of a group of insured members may be added and supplemental insurance for the total deductible amount offered. In an example, the deductible amount of an insurance policy may be added to a loan.

Abstract: A system for issuing credit for unused interest free grace periods may comprise at least one subsystem that electronically calculates a number of unused interest free grace period days, and at least one subsystem that electronically calculates an amount of an award to a borrower based on the calculated number of unused grace period days and a statement balance paid by the borrower.

Abstract: Methods and systems for providing protection to an individual or party from penalties associated with late or missed payments of bills, invoices and other charges are described. The methods and systems can warn a user of possible penalties and take correction action to avoid incurring the penalty. In an example, a computerized method, and system for performing the method can include receiving data about a plurality of payments to be paid by at least one party, the data includes at least one penalty associated with at least one of the payments, ranking the payments based at least partially upon the penalty and determining an order for the payments to be paid. In an example, a computerized method, and system for performing the method can include receiving data about a plurality of bills for at least one user, determining at least one action to prevent incurring a penalty for at least one of the bills and allowing the user to select the action.

Abstract: A user may be identified and authenticated to an institution system and may adjust the annual miles driven estimate for their vehicle. The annual miles driven estimate is used in the determination of the premium for the vehicle insurance for the vehicle. The premium for the vehicle insurance may be revised based on the adjustment by the user to the annual miles driven estimate. In an implementation, the user may reduce the annual miles driven estimate to zero to indicate that they are not driving the vehicle. The user may keep some elements of the vehicle insurance coverage and the vehicle insurance policy may remain active although the annual miles driven estimate is zero.