Patent ID: 8626599
Filing Date: 2014-01-07
Classification: G06Q

Abstract:
1. A computer-implemented method comprising a plurality of steps each being performed by one or more servers executing software via one or more computer processors and in communication with one or more databases, wherein the steps comprise: receiving, by at least one of the one or more computer processors, a seller identifier for a seller to whom a debt is owed by a consumer; determining, by at least one of the one or more computer processors and using the seller identifier, whether the seller accepts payments upon an account issued to the consumer by an issuer; in response to determining that the seller does not accept payments upon the account, addressing, by at least one of the one or more computer processors, a first notice to the consumer seeking collaboration from the consumer to ask the seller to accept payments upon the account; and in response to determining that the seller does accept payments upon the account, addressing, by at least one of the one or more computer processors, a second notice to the consumer requesting the consumer to have the issuer issue to the consumer, within the account, a sub-account that is unique to the seller for making a future transaction between the consumer and the seller payable upon the sub-account.