Inter-network electronic billing
First Claim
1. A method for making payments across multiple payment networks including a first payment network having a first payment service provider and a plurality of associated payers and payees, and a second payment network having a second payment service provider and a plurality of associated payers and payees, comprising:
- receiving, at a first payment service provider, a request to make a payment on behalf of a payer to a payee not associated with the first payment network;
transmitting a request of the first payment service provider to determine a payment network within the multiple payment networks with which the payee is associated;
receiving information indicating that the payee is associated with the second payment network; and
transmitting a payment instruction from the first payment service provider to the second payment service provider to make the payment to the payee.
3 Assignments
0 Petitions
Accused Products
Abstract
The present invention provides a method and system for making inter-network payments. A payment request to make a payment on behalf of a payer to a payee is received. A first payment service provider receives this request. The payment is directed to a payee that is associated with a second payment service provider. The first payment service provider determines the identity of the second payment service provider and transmits a payment instruction to the second payment service provider to complete the payment.
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Citations
52 Claims
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1. A method for making payments across multiple payment networks including a first payment network having a first payment service provider and a plurality of associated payers and payees, and a second payment network having a second payment service provider and a plurality of associated payers and payees, comprising:
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receiving, at a first payment service provider, a request to make a payment on behalf of a payer to a payee not associated with the first payment network;
transmitting a request of the first payment service provider to determine a payment network within the multiple payment networks with which the payee is associated;
receiving information indicating that the payee is associated with the second payment network; and
transmitting a payment instruction from the first payment service provider to the second payment service provider to make the payment to the payee. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 22, 23, 24, 25, 26)
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21. The method of 1, wherein:
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the request to make the payment is structured according to a first message set; and
the request to determine the payment network with which the payee is associated, the information indicating that the payee is associated with the second payment network, and the payment instruction are each structured according to a second message set different than the first message set.
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27. A system for making payments across multiple payment networks including a first payment network having a plurality of associated payers and payees, and a second payment network having a plurality of associated payers and payees, comprising:
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a first payment processing station associated with the first payment network configured to
1) receive a request to make a payment on behalf of a payer to a payee not associated with the first payment network,
2) to transmit a request to determine a payment network within the multiple payment networks with which the payee is associated,
3) to receive information indicating that the payee is associated with the second payment network, and
4) to transmit a payment instruction to the second payment network to make the payment to the payee; and
a second payment processing station associated with the second payment network and configured to receive the transmitted payment instruction. - View Dependent Claims (28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 48, 49, 50, 51, 52)
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47. The system of 27, wherein:
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the request to make the payment is structured according to a first message set;
the request to determine the payment network with which the payee is associated, the information indicating that the payee is associated with the second payment network, and the payment instruction are each structured according to a second message set different than the first message set.
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Specification