Patent ID: 8041634
Filing Date: 2011-10-18
Classification: G06Q

Abstract:
1. A computer-implemented method comprising a plurality of steps each being performed by a transaction handler with one or more servers executing software and in communication with one or more databases, wherein the steps comprise: in a payment processing system in which the transaction handler processes a plurality of transactions each characterized by a consumer and a merchant engaging in one of said plurality of transactions upon an account within the payment processing system, wherein an issuer has issued the account to the consumer, and wherein the merchant submits the one transaction to an acquirer for processing by the transaction handler who requests the issuer to disburse funds from the consumer for the one transaction, and wherein the issuer forwards the funds for delivery to the transaction handler who forwards the funds to the acquirer to disburse the funds to the merchant for the one transaction: receiving a seller identifier for a seller to whom a debt is owed by the consumer; determining, using the seller identifier, whether the seller accepts payments upon the account; when the seller is determined not to accept payments upon the account, addressing a first notice to the consumer seeking collaboration from the consumer to ask the seller to accept payments upon the account; and when the seller is determined to accept payments upon the account: