Systems and methods for subscriber to payee cross pollination

• US 20070226138A1
• Filed: 03/22/2006
• Published: 09/27/2007
• Est. Priority Date: 03/22/2006
• Status: Abandoned Application

• Current Assignee: Checkfree Corporation (Fiserv Incorporated)
• Original Assignee: Checkfree Corporation (Fiserv Incorporated)
• Inventors: Moenickheim, Peter, Baulch, Howard, Koltnow, Adam, Keown, Blake
• Application Number:
  US11/386,263
• Publication Number:
  US 20070226138A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: H04M 15/00 Arrangements for metering, time-control or time indication ; Metering, charging or billing arrangements for voice wireline or wireless communications, e.g. VoIP

Abstract

Systems and methods for processing subscriber and payee information include storing information identifying a first subscriber of an electronic payment service, and receiving information identifying an intended payee from a second subscriber. A determination is then made that the first subscriber and the intended payee of the second subscriber are the same entity. Such a determination may be confirmed and/or verified in a variety of ways. If confirmed, a payment may be made on behalf of the second subscriber to the first subscriber, now identified as a payee.

Claims

1. A method for processing payee information, comprising:

storing information identifying a first subscriber of an electronic payment service;

receiving, from a second subscriber, information identifying an intended payee of the second subscriber;

determining that the first subscriber and the intended payee of the second subscriber are the same entity; and

converting the first subscriber to an electronic payee.

2. The method of claim 1, wherein determining that the first subscriber and the intended payee of the second subscriber are the same entity is based upon at least a portion of the stored first subscriber identifying information matching at least a portion of the received payee identifying information.

3. The method of claim 1, further comprising normalizing the received payee information prior to determining that the first subscriber and the intended payee of the second subscriber are the same entity.

4. The method of claim 1, further comprising confirming the determining with the second subscriber.

5. The method of claim 1, further comprising verifying the determining with the payee.

6. The method of claim 5, wherein the verifying includes identifying a deposit account to credit electronically.

7. The method of claim 1, further comprising receiving a request to pay the intended payee on behalf of the second subscriber;

and issuing an instruction to electronically credit a deposit account based upon the stored first subscriber information.

8. The method of claim 7, wherein the request is received from a consumer service provider associated with the second subscriber.

9. The method of claim 7, wherein the payee information and the request are received together.

10. The method of claim 1, wherein determining that the first subscriber and the intended payee of the second subscriber are the same entity includes:

responsive to receiving the information identifying an intended payee, identifying the first subscriber as a candidate match to the intended payee,

requesting a confirmation of the acceptability of converting the first subscriber to an electronic payee, and

receiving the confirmation of the acceptability of converting the first subscriber to an electronic payee.

11. The method of claim 10, wherein requesting and receiving a confirmation that the first subscriber and the payee are the same entity occurs in parallel with directing an initial credit to a deposit account.

12. A method for processing subscriber information of the payment service provider, comprising:

storing information identifying a first subscriber of an electronic payment service provider;

requesting a confirmation of the acceptability of converting the first subscriber to an electronic payee;

receiving the confirmation of the acceptability of converting the first subscriber to an electronic payee; and

responsive to receiving the confirmation, converting the first subscriber to an electronic payee.

13. The method of claim 12, further comprising sending electronic payments on behalf of a second subscriber to the electronic payee.

14. The method of claim 12, wherein receiving the confirmation of the acceptability of converting the first subscriber to an electronic payee includes receiving the confirmation from a third party consumer identity service.

15. The method of claim 12, further comprising associating a deposit account with the electronic payee.

16. The method of claim 15, wherein requesting and receiving a confirmation that the first subscriber and the payee are the same entity occurs in parallel with directing an initial credit to the deposit account.

17. The method of claim 12, wherein receiving the confirmation of the acceptability of converting the first subscriber to an electronic payee includes verifying the acceptability of converting the first subscriber to an electronic payee with the first subscriber.

18. The method of claim 17, wherein the verifying includes identifying a deposit account to credit electronically.

19. A system for processing payee information, comprising:

a memory configured to store information identifying a first subscriber of an electronic payment service; and

a processor configured to receive, from a second subscriber, information identifying an intended payee of the second subscriber, and wherein the processor contains programmed logic to execute software instructions for;

determining that the first subscriber and the intended payee are the same entity, and

converting the first subscriber to an electronic payee.

20. The system of claim 19, wherein the memory comprises at least one of a subscriber profile database, a managed payee database, and a subscriber/payee database.

21. The system of claim 19, wherein the determining is made based upon at least a portion of the stored first subscriber identifying information matching at least a portion of the received payee identifying information.

22. The system of claim 19, wherein the received payee information is normalized prior to determining that the first subscriber and the intended payee are the same entity.

23. The system of claim 19, wherein the processor contains software instructions for receiving a confirmation that the first subscriber and the intended payee are the same entity from the second subscriber.

24. The system of claim 19, wherein the processor contains software instructions for verifying the determining with the payee.

25. The system of claim 24, wherein the verifying includes identifying a deposit account to credit electronically.

26. The system of claim 19, wherein the software instructions for determining that the first subscriber and the intended payee are the same entity executed by the processor include:

responsive to receiving the information identifying an intended payee, identifying the first subscriber as a candidate match to the intended payee, requesting a confirmation of the acceptability of converting the first subscriber to an electronic payee, and receiving the confirmation of the acceptability of converting the first subscriber to an electronic payee.

27. The system of claim 19, wherein the stored first subscriber information comprises information identifying a deposit account associated with the first subscriber and the received information identifying an intended payee of the second subscriber excludes information identifying the deposit account, and wherein the processor comprises software instructions for receiving a request for the payment service provider to pay the payee on behalf of the second subscriber, and issue an instruction to electronically credit the deposit account based upon the stored first subscriber information.

28. The system of claim 19, wherein the request is received from a consumer service provider associated with the second subscriber.

29. The system of claim 19, wherein the payee information and the request are received together.