Abstract: Method and system for electronic planning of consumer bills can include receiving enrollment information from a consumer, receiving payroll information associated with the consumer, determining a plurality of payroll periods based on the payroll dates, using the enrollment information to receive a consumer bill information associated with the consumer, mapping the consumer bill information to a corresponding payroll period based on the due date and the payroll amounts and transmitting the mapped consumer bill information to the consumer. Method and system may further include receiving a payment authorization from the consumer for a consumer bill associated with the consumer bill information and paying the amount due of the consumer bill on behalf of the consumer.

Abstract: An example method for electronic payment of consumer bills can include receiving enrollment information from a consumer, and using the enrollment information, obtaining information related to a consumer bill. The information can include an amount due for the consumer bill. The method can also include transmitting a payment reminder for the consumer bill to the consumer, and receiving a payment authorization for the consumer bill from the consumer. Further, the method can include transmitting a request to an employer or payroll processor for the consumer to withhold the amount due from the consumer's paycheck, and then, paying the amount due on behalf of the consumer.

Abstract: An automatic bill pay system and method for electronically facilitating payment of consumer bills from any form of income can include receiving enrollment information from a consumer, and using the enrollment information, obtaining information related to a consumer bill. The information can include an amount due for the consumer bill. The method can also include transmitting a payment reminder for the consumer bill alerting the consumer that the bill will be paid unless action is taken and receiving a payment authorization for the consumer bill from the consumer. Further, the method can include transmitting a request to a consumer account provider for the consumer to segregate the amount due from the consumer's paycheck, and then, paying the amount due on behalf of the consumer by the bill pay system.