Abstract: An identity risk score may be determined for subscribers of a service to indicate a level of confidence or certainty associated with a subscriber's identity. The identity risk score may be modified upward or downward in order to reflect changing levels of certainty. The changes may be based on transactions performed on behalf of and/or information submitted by the subscriber. Functionality provided to the subscriber may also be dependent upon whether the subscriber's identity risk score meets a threshold. In one or more arrangements, an identity risk score may be determined based on whether information entered by the subscriber can be confirmed and a level of confidence with which the information is confirmed.

Abstract: Systems and methods for generating payment due notifications are provided. A payor and a payee of the payor may be identified by a payment service provider system. At least one notification control parameter associated with communicating payment due notifications to the payor may be identified. Based at least in part upon evaluating a payment history associated with one or more payments made to the payee on behalf of the payor, a payment frequency pattern may be determined. Based at least in part on a portion of the payment history and the determined payment frequency pattern, a next expected payment date may be calculated. In accordance with the at least one notification control parameter, a payment due notification including an identity of the payee and the next expected payment date may be generated. The payment due notification may be transmitted to the payor.

Abstract: To notify a person of the availability of electronic billing information, billing information associated with bills of a biller for its customers is stored in a first data store, and identify information identifying unregistered persons having billing information stored in the first data store, is stored in a second data store. Registration information identifying a person who is currently unregistered is received via a wide area network. The received registration information is compared with the identity information stored in the second data store. Based on the comparison, it is determined if the received registration information identifies a customer of the biller. If so, a notice of the availability of the stored billing information of the biller is transmitted to the person via the wide area network.

Abstract: To notify a person of the availability of electronic billing information, billing information associated with bills of a biller for its customers is stored in a first data store, and identify information identifying unregistered persons having billing information stored in the first data store, is stored in a second data store. Registration information identifying a person who is currently unregistered is received via a wide area network. The received registration information is compared with the identity information stored in the second data store. Based on the comparison, it is determined if the received registration information identifies a customer of the biller. If so, a notice of the availability of the stored billing information of the biller is transmitted to the person via the wide area network.

Abstract: Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the view included a first contact. A request may be received from the user to associate an application with the first contact. A revised view may be transmitted to the user responsive to the received request, the revised view including a user-selectable mechanism for invoking the application on the first contact. The user may be redirected to a user interface of the application subsequent to the user selecting the user-selectable mechanism associated with the contact in the revised view, and the redirection may include transmission of information associated with the user and information associated with the first contact.

Abstract: Methods and systems may be provided for user association of a computing application with a contact in a contact list. A view of one or more contacts of the user may be transmitted to a user, the view including a first contact. A request may be received from the user to associate an application with the first contact. A revised view may be transmitted to the user responsive to the received request, the revised view including a user-selectable mechanism for invoking the application on the first contact. The user may be redirected to a user interface of the application subsequent to the user selecting the user-selectable mechanism associated with the contact in the revised view, and the redirection may include transmission of information associated with the user and information associated with the first contact.

Abstract: A method of verifying authority of a customer to use a financial instrument, includes initiating one or more transactions using a financial instrument identified by a customer. One or more attributes of the initiated one or more transactions are stored. A determination is made as to whether or not a further financial transaction using the identified financial instrument, requested by the customer prior to acceptance of the use of the financial instrument, complies with pre-acceptance transaction rules. The further transaction is initiated only if it is determined to comply with the pre-acceptance transaction rules. One or more proffered attributes are received, typically from the customer. The received proffered attributes are compared to the stored attributes. Use of the financial instrument by the customer is then accepted if the received proffered attributes correspond to the stored attributes.

Abstract: Systems and methods for presenting billing information are provided. A notice may be transmitted via a network by a bill presentment service provider system comprising one or more computers. The notice may be transmitted in accordance with an e-mail protocol, and the notice may indicate availability of billing information via a bill present service provider system. Subsequent to transmitting the notice, a request for the billing information may be received by the bill presentment service provider system via the second protocol. The request may be received responsive to a selection of the hyper-link. Responsive to receiving the request, at least a portion of the billing information may be transmitted by the bill presentment service provider system via the network.

Abstract: A technique for identifying a candidate electronic biller having bills available for electronic presentment to a consumer is provided. An electronic commerce service provider receives location information of a first consumer. The service provider accesses information associated with providing a payment service to a second consumer located near the first consumer. This accessing is based on the received location information. At least one potential biller of the first consumer is identified in the accessed information.

Abstract: A technique for making a payment to a payee on behalf of a payor by a payment service provider is provided. A determination is made as to if a requested payment amount is less than a certain amount. The certain amount is associated with the payee and is determined by the service provider, not the payee. If the payment amount is less than the certain amount, payment to the payee on behalf of the payor is made drawn on an account of the service provider.

Abstract: A payment service provider receives a request to pay a payee on behalf of a payor and determines, responsive to the received request, that the payee will not accept the requested payment via a charge to a credit card account of the payor with a credit card issuer. The payor wishes to fund the requested payment from the credit card account. Accordingly, the payment service provider transmits, to the credit card issuer, account information identifying the credit card account and payment information representing the requested payment for inclusion in a credit card statement of the credit card issuer to the payor for the credit card account. However, the payment service provider directs the requested payment to the payee on behalf of the payor from a payment account other than the credit card account.

Abstract: Systems and methods of remittance processing where a merchant database is provided that includes one or more alteration rules that are associated with a particular payee. A consumer account number associated with a payor is received and altered into a modified consumer account number, where the alteration is performed in accordance with one or more of the stored alteration rules. The modified consumer account number may then be transmitted to the particular payee to be utilized, for example, when processing a payment.

Abstract: To electronically authorize and initiate payment, payment information including a date which pre-dates a due date of a payment by an amount of time corresponding to a time period for making payment in a particular manner. The received payment information is displayed in the form of a check, with the date displayed as a date on the check. A user authorization to proceed with the payment is received. An instruction to initiate the payment in the particular manner on the check date is transmitted based on the received user authorization.

Abstract: A technique for resolving a violation of an investment account restriction is provided. The restriction is associated with the holding of one or more securities in an investment account. A restriction definition and an associated resolution rule are stored in a data repository. A received order to perform an investment account management action is processed to determine that performance of the action violates the stored restriction definition. The associated resolution rule is then retrieved based upon the determination and then executed. Indications of the determined violation and of the executed resolution rule are stored in the data repository.

Abstract: A technique for determining a period of time to complete a payment to a payee is provided. The time that each of one or more payments to a payee is issued is stored. Post-issue event information associated with each of the one or more payments is received. The period of time to complete a future payment to that payee on behalf of a payor is then determined based upon the stored payment issue time information and the received post-issue event information.

Abstract: Methods and systems process multiple trade orders subject to investment account restrictions. The restrictions are associated with the holding of one or more securities or with a cash position in an investment account. Each received order to perform an investment account management action is processed to determine whether performance of the action violates any stored restriction. The investment account is updated to reflect the result of executing the orders that did not violate any stored restriction. All received orders that are found to be in violation of a restriction are then processed again to determine whether performance of the action now violates any stored restriction. This technique allows for approving for execution as many trade orders subject to restrictions as possible.

Abstract: A system and method for identifying a candidate set of at least one buy order associated with an investment account, determining a back out target value that identifies a fiscal amount by which the candidate set must to be reduced, and progressively decrementing a respective initial asset quantity of one or more buy orders of the candidate set until the back out target value is achieved at a final asset quantity of the one or more buy orders. The candidate set of buy orders can then be modified by replacing the respective initial asset quantity with the respective final asset quantity for at least one of the one or more buy orders. The modified candidate set of buy orders can then be provided for trade execution.

Abstract: Systems and methods for selecting a form for crediting a payee by a payment service provider include receiving a request to pay a payee on behalf of a payer. A form for crediting the payee is selected based on at least one of a comparison of a payer account number associated with the payer and the payee to a merchant account scheme associated with the payee or a comparison of a payment amount associated with the received request to a merchant credit limit associated with the payee. A payment is directed to the payee in accordance with the selected form for crediting.

Abstract: An investment account is managed having associated assets, including shares of different securities, transacted in accordance with a plurality of different investment styles. A cash deposit into such a multi-style investment account and a request for a cash withdrawal from the multi-style investment account are handled differently but efficiently across the different investment styles in the investment account. When cash is deposited into the investment account, the cash deposit is placed into a temporary “cash bucket” in the investment account common across different investment styles. The cash is then distributed individual “cash buckets” each associated with an investment style in the investment account in accordance with a selected cash deposit allocation.

Abstract: A processor and system are provided for determining drift in an investment account having assets associated with a plurality of investment styles. An actual asset allocation of at least one portion of the investment account is determined. The at least one portion of the investment account includes both cash assets and security assets. The actual asset allocation of the at least one portion of the investment account is compared to an allocation rule. A drift of assets associated with the at least one portion is determined based on the comparison. A rebalancing of the investment account may occur based on the determined drift.