Patent ID: 8484104
Filing Date: 2013-07-09
Classification: G06Q

Abstract:
1. A method for adding a payee to a user's list of payees in an online bill payment system provided by a first financial institution, comprising the following steps: accessing financial data by the online bill payment system from one of a personal finance management software application, or a second financial institution different from the first financial institution; analyzing the financial data by a computer to identify a payee; determining that the online bill payment system does not have sufficient payment information for the identified payee to make a payment to the payee; adding the identified payee, by the online bill payment system, as an incomplete payee in the user's list of payees; requesting the user to provide additional information for making a payment to the identified payee; receiving additional information sufficient to make a payment to the identified payee; adding the identified payee, by the online bill payment system, to the user's list of payees to whom payments may be made using the online bill payment system.