METHOD AND SYSTEM FOR INTEGRATING DISCRETE INVOICES INTO A PERSONAL FINANCIAL MANAGEMENT AND BILL PAYMENT SYSTEM AND THEN AGGREGATING DISCRETE INVOICES HAVING THE SAME PAYOR USER AND THE SAME PAYEE BUSINESS INTO A SINGLE PAYMENT DUE ITEM FOR PROCESSING

摘要

Invoice related financial transaction data is obtained and integrated into a personal financial management and bill payment system. All invoices represented in the invoice related financial transaction data having the same payor user of the personal financial management and bill payment system and the same payee business are then identified and collected into aggregated same payor/same payee invoice related financial transaction data. The aggregated same payor/same payee invoice related financial transaction data is then analyzed to determine the aggregated total amount owed to the payee business by the payor user and this aggregated total amount is processed as a single payment due item by the personal financial management and bill payment system.