Abstract: An automated financial service system including a client device configured to obtain bill payment information for a bill payment, wherein bill payment information includes user identification, merchant identification information, account information, and an amount paid, a transaction center operatively connected to the client device configured to receive the bill payment information, determine a merchant associated with the bill payment from the bill payment information, obtain merchant payment information for the merchant, and a monetary exchange mechanism interposed between the merchant and the transaction center configured to process the bill payment using the bill payment information and the merchant payment information, wherein processing the bill information includes transferring funds associated with the bill payment to the merchant.