Systems and methods for automatic bill enrollment

A method for automatically enrolling a merchant in a bill paying application, said method performed using an automatic billing enrollment (ABE) computing device comprising a processor communicatively coupled to a memory, said ABE computing device in communication with a payment network, said method comprising:

• receiving a payment transaction associated with a cardholder account;
• identifying a merchant associated with the payment transaction;
• determining whether the merchant is enrolled with a bill pay application associated with the cardholder account by performing a database lookup of the merchant, wherein the database includes merchants enrolled by the cardholder with the bill pay application;
• transmitting a message to a user device associated with the cardholder account, the message indicating that the identified merchant is not enrolled by the cardholder with the bill pay application, the message including a selectable option for the cardholder to enroll the merchant in the bill pay application;
• responsive to receiving a positive selection from the user device to enroll the merchant with the bill pay application:
• determining one or more data elements required by the bill pay application to enroll the merchant, the one or more data elements being associated with the merchant;
• retrieving the one or more data elements;
• and
• inputting the retrieved data elements into the bill pay application to complete enrollment of the merchant.

A non-transitory computer-readable storage medium having computer-executable instructions embodied thereon, wherein when executed by an automatic billing enrollment (ABE) computing device comprising a processor communicatively coupled to a memory, said ABE computing device in communication with a payment network, the computer-executable instructions cause the ABE computing device to:

• receive a payment transaction associated with a cardholder account;
• identify a merchant associated with the payment transaction;
• determine whether the merchant is enrolled with a bill pay application associated with the cardholder account by performing a database lookup of the merchant, wherein the database includes merchants enrolled by the cardholder with the bill pay application;
• transmit a message to a user device associated with the cardholder account, the message indicating that the identified merchant is not enrolled by the cardholder with the bill pay application, the message including a selectable option for the cardholder to enroll the merchant in the bill pay application;
• in response to receiving a positive selection from the user device to enroll the merchant with the bill pay application:
• determine one or more data elements required by the bill pay application to enroll the merchant, the one or more data elements being associated with the merchant;
• retrieve the one or more data elements;
• and
• input the retrieved data elements into the bill pay application to complete enrollment of the merchant.