Inter-network financial service

• US 10,210,488 B2
• Filed: 12/18/2014
• Issued: 02/19/2019
• Est. Priority Date: 06/28/2001
• Status: Active Grant

• Current Assignee: Checkfree Services Corporation (Fiserv Incorporated)
• Original Assignee: Checkfree Services Corporation (Fiserv Incorporated)
• Inventors: Kight, Peter, Ganesan, Ravi, Lewis, Matthew Sheridan, Hobday, Jr., Donald Kenneth, Dreyer, Hans Daniel
• Primary Examiner(s): Weisberger, Richard C
• Application Number:
  US14/575,545
• Publication Number:
  US 20150106262A1
• Time in Patent Office: 1,524 Days
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/027 involving a payment switch or gateway
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network.

Claims

1. A system for inter-network communications, the system comprising:

at least one memory storing computer-executable instructions; and

at least one processor communicatively coupled with the at least one memory and

associated with a first payment service provider, wherein the first payment service provider is associated with a first payment network, and wherein the at least one processor is configured to access the at least one memory and execute the computer-executable instructions to;

receive, on behalf of a requestor, a first request comprising information identifying a payee, wherein the payee is associated with a second payment network that is different from the first payment network;

determine that the payee is not registered with at least one of;

(i) the first payment network, or (ii) the first payment service provider;

responsive to determining that the payee is not registered with at least one of;

(i) the first payment network, or (ii) the first payment service provider, generate an invitation presentation inviting the payee to register with at least one of;

(i) the first payment network, or (ii) the first payment service provider, wherein the invitation presentation comprises a visually selectable link to initiate registration;

transmit the invitation presentation to the payee based at least in part on the information identifying the payee;

receive, on behalf of the payee based at least in part on payee activation of the selectable link, a second request to initiate an interface with the payee for registration;

responsive to receiving the second request, transmit, for presentation to the payee, an enrollment page, wherein (i) the enrollment page comprises a listing presentation of one or more selectable identifiers of payment networks or payment service providers, and (ii) the one or more selectable identifiers comprise a selectable identifier of the second payment network or the second payment service provider associated with the second payment network;

receive, on behalf of the payee based at least in part on payee selection of the selectable identifier of the second payment network or the second payment service provider associated with the second payment network, information identifying at least one of;

(i) the second payment network, or (ii) the second payment service provider associated with the second payment network;

responsive to receiving the information identifying at least one of (i) the second payment network or (ii) the second payment service provider associated with the second payment network, transfer control of the interface with the payee for registration to the second payment service provider;

receive a transfer of control of the interface with the payee for registration from the second payment service provider, wherein the transfer of control comprises an identifier associated with the payee by which the payee is known to the second payment service provider; and

register the payee with at least one of;

(i) the first payment network, or (ii) the first payment service provider based at least in part on the received identifier associated with the payee, and the received information identifying at least one of;

(i) the second payment network, or (ii) the second payment service provider associated with the second payment network.

2. The system of claim 1, wherein the first request comprises a request to invite the payee to register with the first payment network or the first request comprises a request to transfer funds to the payee.

3. The system of claim 1, wherein the information identifying the payee comprises a notification identifier associated with the payee.

4. The system of claim 3, wherein the notification identifier associated with the payee comprises an electronic mail address associated with the payee, and wherein the invitation is transmitted to the electronic mail address associated with the payee.

5. The system of claim 1, wherein the at least one processor is configured to determine that the payee is not registered with the first payment network by executing the computer-executable instructions to:

compare the information identifying the payee included in the request with information stored in one or more databases.

6. The system of claim 1, wherein the at least one processor is further configured to execute the computer-executable instructions to:

store the information identifying the payee included in the received first request, and wherein the at least one processor is configured to register the payee with at least one of;

(i) the first payment network, or (ii) the first payment service provider by executing the computer-executable instructions to;

store the received identifier associated with the payee in association with the stored information identifying the payee.

7. The system of claim 1, wherein the requestor is a payor associated with the first payment network, and wherein the first request comprises a request for a funds transfer from the payor to the payee, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

generate a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of funds to be transferred in connection with the funds transfer;

transmit the payment directive message to the second payment service provider; and

receive, from the second payment service provider, an acceptance message in response to the payment directive message.

8. The system of claim 7, wherein the at least one processor is further configured to execute the computer-executable instructions to:

transfer the funds from the account associated with the payor to an account associated with the first payment service provider; and

transfer the funds from the account associated with the first payment service provider to an account associated with the second payment service provider.

9. The system of claim 1, wherein the requestor is a payor associated with the first payment network, and wherein the first request comprises a request for a funds transfer from the payor to the payee, and wherein the at least one processor is further configured to execute the computer-executable instructions to:

generate a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of funds to be transferred in connection with the funds transfer;

transmit the payment directive message to the second payment service provider;

receive, from the second payment service provider, a denial message in response to the payment directive message; and

transmit, for presentation to the payor, information indicating receipt of the denial message from the second payment service provider.

10. The system of claim 1, wherein the at least one processor is further configured to execute the computer-executable instructions to:

receive a third request on behalf of a payor associated with the first payment network, wherein the third request comprises a request for a funds transfer from the payor to the payee;

generate a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of funds to be transferred in connection with the funds transfer;

transmit the payment directive message to the second payment service provider;

receive, from the second payment service provider, an acceptance message in response to the payment directive message.

11. The system of claim 10, wherein the requestor and the payor are a same entity.

12. A method for inter-network communications, comprising:

receiving, by a computerized payment service provider system comprising one or more computers and on behalf of a requestor, a request comprising information identifying a payee, wherein the computerized payment service provider system is associated with a first payment service provider and the first payment service provider is associated with a first payment network, and wherein the payee is associated with a second payment network that is different from the first payment network;

determining, by the computerized payment service provider system, that the payee is not registered with at least one of;

(i) the first payment network, or (ii) the first payment service provider;

responsive to determining that the payee is not registered with at least one of;

(i) the first payment network, or (ii) the first payment service provider, generating, by the computerized payment service provider system, an invitation presentation inviting the payee to register with at least one of;

(i) the first payment network, or (ii) the first payment service provider, wherein the invitation presentation comprises a visually selectable link to initiate registration;

transmitting, by the computerized payment service provider system, the invitation presentation to the payee based at least in part on the information identifying the payee;

receiving, by the computerized payment service provider system and on behalf of the payee based at least in part on payee activation of the selectable link, a second request to initiate an interface with the payee for registration;

responsive to receiving the second request, transmitting, by the computerized payment service provider system, for presentation to the payee, an enrollment page, wherein (i) the enrollment page comprises a listing presentation of one or more selectable identifiers of payment networks or payment service providers, and (ii) the one or more selectable identifiers comprise a selectable identifier of the second payment network or the second payment service provider associated with the second payment network;

receiving, by the computerized payment service provider system and on behalf of the payee based at least in part on payee selection of the selectable identifier of the second payment network or the second payment service provider associated with the second payment network, information identifying at least one of;

(i) the second payment network, or (ii) the second payment service provider associated with the second payment network;

responsive to receiving the information identifying at least one of (i) the second payment network or (ii) the second payment service provider associated with the second payment network, transferring, by the computerized payment service provider system, control of the interface with the payee for registration to the second payment service provider;

receiving, by the computerized payment service provider system, a transfer of control of the interface with the payee for registration from the second payment service provider, wherein the transfer of control comprises an identifier associated with the payee by which the payee is known to the second payment service provider; and

registering, by the computerized payment service provider system, the payee with at least one of;

(i) the first payment network, or (ii) the first payment service provider based at least in part on the received identifier associated with the payee and the information identifying at least one of;

(i) the second payment network, or (ii) the second payment service provider.

13. The method of claim 12, wherein the requestor is a payor associated with the first payment network, and wherein the request comprises a request for a funds transfer from the payor to the payee, the method further comprising:

generating, by the computerized payment service provider system, a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of funds to be transferred in connection with the funds transfer;

transmitting, by the computerized service provider system, the payment directive message to the second payment service provider; and

receiving, by the computerized service provider system from the second payment service provider, an acceptance message in response to the payment directive message.

14. The method of claim 12, wherein the requestor is a payor associated with the first payment network, and wherein the request comprises a request for a funds transfer from the payor to the payee, further comprising:

generating, by the computerized payment service provider system, a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of funds to be transferred in connection with the funds transfer;

transmitting, by the computerized payment service provider system, the payment directive message to the second payment service provider;

receiving, by the computerized payment service provider system from the second payment service provider, a denial message in response to the payment directive message; and

transmitting, by the computerized payment service provider system, information indicating receipt of the denial message from the second payment service provider to the payor.

15. The method of claim 12, wherein the request is a first request, the method further comprising:

receiving, by the computerized payment service provider system, a third request on behalf of a payor associated with the first payment network, wherein the third request corresponds to a request for a funds transfer from the payor to the payee;

generating, by the computerized payment service provider system, a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of the funds to be transferred in connection with the funds transfer;

transmitting, by the computerized payment service provider system, the payment directive message to the second payment service provider; and

receiving, by the computerized payment service provider system from the second payment service provider, an acceptance message in response to the payment directive message.