Technique for making payments for a non-subscriber payor
First Claim
1. A method for debiting a funding account associated with a payor by a payment service provider in making a payment on behalf of the payor who is not a customer of the payment service provider, comprising:
- receiving, by a payment service provider and from a payee, a payment request to pay a payee on behalf of a payor, the payment request including a payor authorization to debit a payor funding account and excluding information identifying the payor funding account, the payor funding account being unknown to the payment service provider and the payee;
obtaining information associated with the payor funding account from at least one of a plurality of data repositories each associated with an entity other than the payment service provider based upon the authorization; and
debiting the payor funding account by the payment service provider in making payment to the payee on behalf of the payor based upon the obtained information.
1 Assignment
0 Petitions
Accused Products
Abstract
A technique for debiting a payor'"'"'s funding account by a payment service provider is provided. The payor is not a customer of the payment service provider. The service provider receives, from a payee, a payment request to make a payment to the payee on behalf of the payor. This payment request includes an authorization to debit the payor'"'"'s funding account, but does not include any information identifying the payor'"'"'s funding account. Also, the payor'"'"'s funding account is unknown to both the payment service provider and the payee. Using the authorization, the payment service provider obtains information associated with the payor'"'"'s funding account from a central data repository. After obtaining the funding account information the payment service provider debits the payor'"'"'s funding account, utilizing the obtained information, in making the payment to the payee on behalf of the payor.
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Citations
20 Claims
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1. A method for debiting a funding account associated with a payor by a payment service provider in making a payment on behalf of the payor who is not a customer of the payment service provider, comprising:
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receiving, by a payment service provider and from a payee, a payment request to pay a payee on behalf of a payor, the payment request including a payor authorization to debit a payor funding account and excluding information identifying the payor funding account, the payor funding account being unknown to the payment service provider and the payee;
obtaining information associated with the payor funding account from at least one of a plurality of data repositories each associated with an entity other than the payment service provider based upon the authorization; and
debiting the payor funding account by the payment service provider in making payment to the payee on behalf of the payor based upon the obtained information. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system for debiting a funding account associated with a payor by a payment service provider in making a payment on behalf of the payor who is not customer of the payment service provider, comprising:
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a communications interface configured to receive a payment request, from a payee, for a payment service provider to pay the payee on behalf of a payor, the payment request including a payor authorization to debit a payor funding account and excluding information identifying the payor funding account, the payor funding account being unknown to the payment service provider and the payee; and
a processor configured to obtain information associated with the payor funding account from at least one of a plurality of data repositories each associated with an entity other than the payment service provider based upon the authorization and to cause the payor funding account to be debited in making payment to the payee on behalf of the payor based upon the obtained information. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification