Abstract: A method for coordinating billing requests and payments across different financial institutions includes receiving an electronic enrollment request by a biller exchange computing system from a customer computing device; displaying an interactive control on a user interface of the customer computing device configured to collect customer authentication data for the biller; transmitting the customer authentication data to a remote computing system associated with the biller; causing the remote computing system to generate a customer-biller account authentication token that authorizes the biller exchange computing system to perform financial transactions with the biller on behalf of the customer; and authenticating, by the biller exchange computing system, a transaction request received from the customer computing device for a transaction between the customer and the biller based on the customer-biller account authentication token.

Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers to search locally stored payee databases on their mobile devices for payee information. The cached version of the payee database is updated with updated payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.

Abstract: A computing device comprises a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application, where the instructions cause the computing device to receive a data set comprising a plurality of billers from a biller exchange computing system, receive an authentication token from the biller exchange computing system, query a computing device property of the computing system, render an optimized version of the biller exchange bill pay application, display a user-interactive page comprising at least one user-interactive control where the at least one user-interactive control comprises at least one property dynamically populated based on the data set comprising the plurality of biller, and perform computing operations specified by the at least one property of the at least one user-interactive control using the authentication token and responsive to detecting a user interaction with the at least one user-interactive control.

Abstract: A computing device includes a processing resource, a memory resource, and computer-executable instructions stored thereon and embodied in a biller exchange bill pay application. The instructions, when executed by the processing resource, cause the computing device to receive, from a remote computing system, a data set comprising a plurality of billers. Each of the plurality of billers is subscribed to a biller exchange structured to allow each of the plurality of billers to deliver and receive payment on customer bills via a biller exchange computing system. A user-interactive page comprising at least one user-interactive control is generated and displayed on the computing device. The user-interactive control includes at least one property dynamically populated based on the data set comprising the plurality of billers (such as, for example, a property binding the user-interactive control to the data set).

Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.

Abstract: A provider computing system includes a bill pay application circuit configured to receive a request from a user to pay an amount of funds to a biller, determine a customer funds account number for the user, determine a biller funds account number for the biller, and generate a payment request. The provider computing system includes a transaction management system configured to receive the payment request from the bill pay circuit and provide a first post and a second post to a funds account circuit and generate a payment notification. The provider computing system includes a biller posting services circuit configured to receive the payment notification and determine a corresponding customer bill account number. The biller posting services circuit is configured to generate a data object that includes the payment notification and the customer bill account number and cause the data object to be provided to a biller computing system.

Abstract: Systems and methods for processing payment requests via a series of matching operations are described. Rules that compensate for incomplete or inaccurate information are applied to customer requests and stored merchant information to create identifiers, or “tokens.” Tokens can be searched for, compared, and matched with confirmed merchant information, allowing for the identification of merchants known to financial institutions despite erroneous or missing information in the customer request.

Abstract: Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.