Abstract: A system for bill pay enrollment may comprise at least one subsystem that scans a paper a bill into a digital image, at least one subsystem that recognizes information on the digital image, and at least one subsystem that uses at least some of the recognized information to enroll a payee into a bill pay system.

Abstract: Electronic payments are typically initiated on a bank's web site, and then routed to a third-party processor for payment. There may be different processors having different pricing structures. Routing software may be provided that routes payments to the various processors (or causes payments to be processed without a third-party processor) based on considerations of cost-effectiveness. For example, the routing software may choose the payment processor that has the lowest price for a certain type of payment, or may route a certain number of payments to a processor in order to fulfill volume pricing minimums, or may aggregate payments for several days in order to handle the payments in one transaction and reduce transaction fees.

Abstract: A system for bill pay enrollment may comprise at least one subsystem that scans a paper a bill into a digital image, at least one subsystem that recognizes information on the digital image, and at least one subsystem that uses at least some of the recognized information to enroll a payee into a bill pay system.