Systems, methods, and apparatus for establishing payees based on cleared items posted to a financial account

A system, comprising:

• a communications interface operable to transmit one or more generated forms to a network entity for presentation to a consumer;
• and
• at least one processor operable (i) to obtain information associated with a cleared item posted to a financial account of the consumer, (ii) to identify, based at least in part on the obtained information, a payee associated with the cleared item, (ii) to generate a form for activating, at a service provider, at least one of online payment functionality for payments made to the payee by the service provider on behalf of the consumer or electronic bill presentment of billing information of the payee to the consumer through the service provider, and (iv) to direct the communications interface to transmit the generated form.

A system, comprising:

• a communications interface operable to transmit a message to a network entity for presentation to a consumer;
• and
• at least one processor operable (i) to obtain information associated with a cleared item posted to a financial account of the consumer, (ii) to determine, based on at least a portion of the obtained information, that the cleared item comprises an online payment made by a service provider to a payee on behalf of the consumer, and (iii) to direct the communications interface to transmit the message in response to the determination, wherein the message comprises one of a payment history presentation for the online payment or an electronic bill presentation of a bill associated with the online payment.