Systems and methods for automatic bill enrollment

An automatic billing enrollment (ABE) computing device comprising a processor communicatively coupled to a memory, the ABE computing device in communication with a payment network, the processor configured to:

• receive a pull-type payment transaction associated with a cardholder account of a cardholder;
• identify a merchant associated with the pull-type payment transaction;
• determine whether the merchant is enrolled with a bill pay application associated with the cardholder account by performing a lookup on a database for the merchant, wherein the database includes merchants enrolled by the cardholder with the bill pay application;
• transmit an enrollment message to a user device associated with the cardholder account, the enrollment message indicating that the identified merchant is not enrolled by the cardholder with the bill pay application, the enrollment 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;
• and
• transmit a notification message to the user device confirming enrollment of the merchant with the bill pay application, the notification message including a selectable link that, when selected by the cardholder, enables the cardholder to configure at least one parameter of a push-type payment transaction to the merchant.

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

• receiving a pull-type payment transaction associated with a cardholder account of a cardholder;
• identifying the merchant associated with the pull-type payment transaction;
• determining whether the merchant is enrolled with the bill pay application associated with the cardholder account by performing a lookup on a database for the merchant, wherein the database includes merchants enrolled by the cardholder with the bill pay application;
• transmitting an enrollment message to a user device associated with the cardholder account, the enrollment message indicating that the identified merchant is not enrolled by the cardholder with the bill pay application, the enrollment 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, the method further comprises:
• 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;
• and
• transmitting a notification message to the user device confirming enrollment of the merchant with the bill pay application, the notification message including a selectable link that, when selected by the cardholder, enables the cardholder to configure at least one parameter of a push-type payment transaction to 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, the ABE computing device in communication with a payment network, the computer-executable instructions cause the processor to:

• receive a pull-type payment transaction associated with a cardholder account of a cardholder;
• identify a merchant associated with the pull-type payment transaction;
• determine whether the merchant is enrolled with a bill pay application associated with the cardholder account by performing a lookup on a database for the merchant, wherein the database includes merchants enrolled by the cardholder with the bill pay application;
• transmit an enrollment message to a user device associated with the cardholder account, the enrollment message indicating that the identified merchant is not enrolled by the cardholder with the bill pay application, the enrollment 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;
• and
• transmit a notification message to the user device confirming enrollment of the merchant with the bill pay application, the notification message including a selectable link that, when selected by the cardholder, enables the cardholder to configure at least one parameter of a push-type payment transaction to the merchant.