Abstract: Systems, methods and articles of manufacture for a computerize method of providing financial management to a user by integrating financial data from a plurality of sources such as online financial services. The system analyzes the financial data from a plurality of sources together to determine financial transactions beneficial to the user, and executes the financial transactions. The system may also analyze a user's transactional history among multiple accounts to identify and predict recommended financial transactions to the user. This provides an integrated solution for linking and coordinating multiple online banking services which previously had no operational link.

Abstract: Systems and methods for adding a payee to a user's list of payees in an online bill payment system provided by a financial institution. The online bill payment system accesses financial data of the user from a personal finance management application or a financial institution. The financial data is analyzed by a computer to identify payees of the user. The bill payment system determines if it has payment information for the identified payee, and adds the payee to the user's list of payees. Alternatively, the financial data may be accessed and aggregated by a personal finance management application and then analyzed by a computer to identify a payee. Then the identified payee is communicated to the online bill payment system, which adds the identified payee to the user's list of payees.