PRESENTING RECIPIENT BILLING INFORMATION USING DATA FROM PREVIOUS TRANSACTIONS

摘要

A method and apparatus for displaying presenting billing information of an electronic funds transfer recipient is provided. In an embodiment, a method comprises storing recipient information when a customer makes a financial transfer; requesting billing information from one or more billing companies for one or more accounts associated with the stored recipient information; storing account balance information for the one or more accounts associated with the stored recipient information; displaying, upon receipt of login information from the customer, the billing information and an option to pay the displayed bill; receiving authorization to pay the displayed bill; and causing one or more computers to execute payment of the bill using a payment account of the customer.

主权项

1. A data processing method, comprising:
storing, in a data repository of a server computer, user account information comprising identification of a plurality of user accounts and authorization data for each account of the plurality of accounts; receiving, over a network at the server computer system, authentication data for a particular user of the plurality of users; receiving, over a network at the server computer system, a request from the particular user account to transfer funds to a particular recipient; in response to the request to transfer funds, storing, in a data repository of the server computer, particular recipient information comprising an identification of the particular recipient and an association between the particular recipient and the particular user; using the particular recipient information, sending, over a network from the server computer system, a request to an application programming interface of one or more product or service providers for particular recipient account information for one or more particular recipient accounts with the one or more product or service providers; receiving, over a network through the application programming interface of the one or more product or service providers, particular recipient account information for the one or more particular recipient accounts and storing the particular recipient account information in a data repository of the server computer system; receiving, over a network at the server computer system, authentication data for the particular user; in response to receiving the authentication data for the particular user, identifying the particular recipient based, at least in part, on the stored association between the particular recipient and the particular user; in response to identifying the particular recipient, determining, from the particular recipient account information, that the one or more particular recipient accounts have a current balance; causing displaying, through a graphical user interface executing on a client device associated with the particular user, a selectable option to pay a bill of the particular recipient.