Patent ID: 7953660
Filing Date: 2011-05-31
Classification: G06Q

Abstract:
1. A method, comprising: maintaining by a processing system comprising one or more server computers, a data repository of registered users, the data repository, comprising information for a first network user having a first registration status that is set to an open status indicating that the processing agent system will, process payment requests on behalf of the first network user to both preferred payees included in a plurality of preferred payees and to at least one other payee not included in the plurality of preferred payees; receiving, by the processing agent system, information identifying a second network user; determining, by the processing agent system responsive to receiving the information identifying the second network user, a credit risk associated with making payments on behalf of the second network user; setting, by the processing agent system based at least in part on the determined credit risk, a second registration status for the second network user to a closed status indicating that the processing agent system will only process payment requests on behalf of the second network user to the preferred payees included in the plurality of preferred payees; transmitting, from the processing agent system for presentation to the first user, an open payment screen that allows payment to both the preferred payees and the at least one other payee; and transmitting, from the processing agent system: for presentation to the second user, when a closed payment screen that only allows payment to the preferred payees.