Peter Ciurea - Martinez CA, Christopher Aguas - Novato CA, Peter Mendiara - Oakland CA,
Visa U.S.A., Inc. - San Francisco CA
A method for automatic bill payment is disclosed. The method includes providing for an automatic bill payment process for a user of a portable consumer device, where the automatic bill payment process automatically pays periodic bills of the user at predetermined times. The method also includes providing for an automatic reminder process, where the automatic reminder process automatically sends reminders to the user of the portable consumer device prior to the automatic payment of the bills at the predetermined time intervals.