Recipient management in computer network initiated data transfers

Abstract

A computerized data transfer system allows data transfers to be initiated over a network between senders and recipients. Individual senders initiate data transfers over the network by selecting a recipient from a list at a sender device. The system includes a data store of sender specific recipients, a data transfer history data store of past transfers; and a master participant data store storing profiles of recipients for which transfers can be initiated. The system includes a computing device that for selected senders, retrieves entries of the data store of sender specific recipients, master participant data store and data transfer history data store; generates a predicted transfer profile for each recipient for the sender, based on past data transfers and the master participant data store to identify deviations therefrom; and updates the data store of sender specific recipients for the selected sender to update entries for recipients associated with identified deviations.

What is claimed is: 
     
         1 . A computerized data transfer system, for allowing data transfers to be initiated over a computer communications network between a plurality of senders and a plurality of recipients, the system comprising:
 a data store including a list of recipients for a sender and for a plurality of recipients of the list of recipients a profile comprising recipient information;   a data transfer history data store of data transfers made by the sender;   a master participant data store that stores master recipient profiles of recipients of the list of recipients for which data transfers can be initiated;   one or more processors; and   a memory storing instructions that, when executed by the one or more processors, cause the one or more processors to:   retrieve recipient information from the data transfer history data store and the master recipient profiles from the master participant data store;   generate a predicted transfer profile based on the retrieved recipient information and master recipient profiles;   identify a deviation in data transfers from the sender;   responsive to identifying the deviation, update the data store by deleting the recipient profile from at least one of the recipients that is associated with the deviation; and   provide a list of recipients in a selection field of a user interface, the list of recipients excluding the deleted recipient profile.   
     
     
         2 . The computerized data transfer system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to update the master participant data store based on data transfers from several senders among the plurality of senders. 
     
     
         3 . The computerized data transfer system of  claim 1 ,
 wherein the predicted transfer profile includes an expected data transfer interval for a recipient, and   wherein the instructions, when executed by the one or more processors, further cause the one or more processors to: identify the deviations by comparing, for the sender:   an interval of data transfers from the sender to the recipient, in the profile of the recipient; and   an expected data transfer interval in the predicted transfer profile.   
     
     
         4 . The computerized data transfer system of  claim 1 , wherein the deviation is identified based on one or more pending data transfers to a recipient. 
     
     
         5 . The computerized data transfer system of  claim 1 , wherein the deviation is identified based on comparing a transfer characteristic associated with data transfers from the sender to a recipient with a parameter in the master recipient profile of the recipient. 
     
     
         6 . The computerized data transfer system of  claim 5 , wherein the parameter is a range. 
     
     
         7 . The computerized data transfer system of  claim 6 , wherein the characteristic is a transfer interval. 
     
     
         8 . The computerized data transfer system of  claim 6 , wherein the characteristic is a quantity. 
     
     
         9 . The computerized data transfer system of  claim 1 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to in response to the identifying the deviation, notify the sender of the deviation over the computer communications network. 
     
     
         10 . The computerized data transfer system of  claim 9 , wherein the instructions, when executed by the one or more processors, further cause the one or more processors to:
 receive a response to the notifying and wherein the updating is performed in response to receiving the response and in accordance with an instruction included in the response.   
     
     
         11 . A computerized data transfer method, for allowing data transfers to be initiated over a computer communications network between a plurality of senders and a plurality of recipients, the method comprising:
 storing, by a data store, a list of recipients for a sender and for a plurality of recipients of the list of recipients a profile comprising recipient information storing, by a data transfer history data store, data transfers made by a sender;   storing, by a master participant data store, master recipient profiles of recipients of the list of recipients for which data transfers can be initiated;   retrieving, by one or more processors, recipient information from the data transfer history data store and the master recipient profiles from the master participant data store;   generating, by the one or more processors, a predicted transfer profile based on the retrieved recipient information and master recipient profiles;   identifying, by the one or more processors, a deviation in data transfers from the sender;   responsive to identifying the deviation, updating, by the one or more processors, the data store by deleting the recipient profile from the list of recipients that is associated with the deviation; and   providing, by the one or more processors, a list of recipients in a selection field of a user interface, the list of recipients excluding the deleted recipient profile.   
     
     
         12 . The method of  claim 11 , further comprising updating the master participant data store based on data transfers from several senders among the plurality of senders. 
     
     
         13 . The method of  claim 11 ,
 wherein a master recipient profile for a recipient includes an expected data transfer interval for the recipient, and   wherein the predicted transfer profile for the recipient comprises the expected data transfer interval for the recipient.   
     
     
         14 . The method of  claim 13 , further comprising: updating the expected data transfer interval for the recipient based on a data transfer to the recipient. 
     
     
         15 . The method of  claim 11 , further comprising:
 receiving, by the one or more processors, sender input including a profile of a recipient to update; and   updating, by the one or more processors, based on the receiving of the sender input, the data store.   
     
     
         16 . The method of  claim 11 , further comprising: storing, by the master participant data store, in a master recipient profile, payment parameters of data transfers. 
     
     
         17 . The method of  claim 11 , further comprising: by the one or more processors, subsequent to identifying the deviation, notifying the sender of the deviation over the computer communications network. 
     
     
         18 . The method of  claim 11 , wherein the identifying the deviation comprises identifying a dormant account of the sender in the data store. 
     
     
         19 . The method of  claim 11 , wherein the deviation is identified based on one or more pending data transfers to a recipient. 
     
     
         20 . A non-transitory computer-readable storage medium comprising computer-executable instructions which, when executed, configure one or more processors to allow data transfers to be initiated over a computer communications network between a plurality of senders and a plurality of recipients by:
 storing, by a data store, a list of recipients for a sender and for a plurality of recipients of the list of recipients a profile comprising recipient information storing, by a data transfer history data store, data transfers made by a sender;   storing, by a master participant data store, master recipient profiles of recipients of the list of recipients for which data transfers can be initiated;   retrieving, by the one or more processors, recipient information from the data transfer history data store and the master recipient profiles from the master participant data store;   generating, by the one or more processors, a predicted transfer profile based on the retrieved recipient information and master recipient profiles;   identifying, by the one or more processors, a deviation in data transfers from the sender;   responsive to identifying the deviation, updating, by the one or more processors, the data store by deleting the recipient profile from the list of recipients that is associated with the deviation; and   providing, by the one or more processors, a list of recipients in a selection field of a user interface, the list of recipients excluding the deleted recipient profile.