SELECTING MERCHANTS FOR AUTOMATIC PAYMENTS

摘要

Establishing a merchant as an automatic payment recipient includes a payment system that employs a server configured for receiving a request for a first transaction with a merchant; identifying one or more transactions of the merchant; determining that the merchant is a candidate to be a payment recipient requiring a reduced authorization level; communicating a notice of the determination; receiving an indication of an acceptance of the merchant as a payment recipient requiring a reduced authorization level; establishing a reduced level of transaction authorization required for a subsequent transaction between the user and the merchant; recognizing that the user computing device is at a location of the merchant for a second transaction that is after the establishing step; and configuring the user network device to conduct the second transaction using the reduced level of transaction authorization.