The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Oct. 16, 2012

Filed:

May. 28, 2009
Applicants:

Robert T. Homer, Cumming, GA (US);

Mary Elizabeth Lawson, Westerville, OH (US);

Donald Kenneth Hobday, Jr., Blacklick, OH (US);

Hans Daniel Dreyer, Pataskala, OH (US);

Inventors:

Robert T. Homer, Cumming, GA (US);

Mary Elizabeth Lawson, Westerville, OH (US);

Donald Kenneth Hobday, Jr., Blacklick, OH (US);

Hans Daniel Dreyer, Pataskala, OH (US);

Assignee:

FISERV, Inc., Brookfield, WI (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G07F 19/00 (2006.01); G06Q 40/00 (2012.01);
U.S. Cl.
CPC ...
Abstract

Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account are provided. Information associated with a cleared item posted to a financial account of a consumer may be obtained. Based at least in part on the obtained information, a payee associated with the cleared item may be identified. A form may be generated for activating, at a service provider, at least one of online payment functionality for payments made to the payee by the service provider on behalf of the consumer or electronic bill presentment of billing information of the payee to the consumer through the service provider. The form may be transmitted to a network entity for presentation to the consumer.


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