A system and methodfor paying bills without requiring interaction with the payors disclosed. The system includes a payor control interface, a communications interface, a bill generator, and a TCF message generator. The bill generator generates bill records from payor and payee information stored within...http://www.google.com.au/patents/US20010032183?utm_source=gb-gplus-sharePatent US20010032183 - System and method for paying bills and other obligations including selective payor and payee controls