Patent ID: 8700527
Filing Date: 2014-04-15
Classification: G06Q

Abstract:
1. A method for communicating a payment request to a recipient, the method comprising: receiving, at an intermediary computing device, the payment request from a source system, wherein the payment request includes a payment amount, a payment due date, a name associated with the recipient and an alias associated with the recipient, wherein the payment request requests the recipient to make a payment associated with the payment amount, wherein the alias associated with the recipient is different from the name associated with the recipient; in response to receiving the payment request, determining, via a computing device processor, whether the recipient is a registered recipient based on the alias, wherein determining whether the recipient is a registered recipient based on the alias comprises: in response to determining the recipient is a registered recipient based on the alias, communicating, via the intermediary computing device, the request to the recipient based on the recipient being the registered recipient; in response to determining the recipient is not a registered recipient based on the alias, returning the payment request to the source system and sending an invitation to the recipient to register the alias associated with the recipient so that the recipient receives a future payment request that includes a payment amount and the registered alias; communicating the payment request to the recipient as a mobile application alert, wherein the mobile application alert includes one or more selectable options, wherein a first selectable option enables the recipient to immediately pay the payment amount associated with the payment request, a second selectable option enables the recipient to schedule payment of the payment amount on a selected date, and a third selectable option enables the recipient to select an account from which to pay the payment amount of the payment request, wherein the first selectable option, the second selectable option, and the third selectable option are presented simultaneously on a user interface; determining whether the payment amount is greater than a maximum payment amount; and in response to determining the payment amount is greater than the maximum payment amount, initiating presentation of an error message.