PUSH PAYMENT SYSTEM AND METHOD

申请公布号：

US2014214675(A1)

申请号：

US201414162647

申请日期：

2014.01.23

申请公布日期：

2014.07.31

申请人：

Sharma Pankaj;Modi Vikram;Singh Shantnu;Forde Geir;Cervenka Karen

发明人：

Sharma Pankaj;Modi Vikram;Singh Shantnu;Forde Geir;Cervenka Karen

分类号：

G06Q20/40;G06Q20/10

主分类号：

G06Q20/40

地址：

Singapore SG

摘要：

Embodiments of the invention introduce systems and methods for using a payment processing network to conduct transactions between accounts not associated with the payment processing network. One embodiment of the invention discloses a method for conducting a funds transfer transaction. The method comprises receiving a recipient bank identifier and a recipient account identifier associated with a recipient account, determining a recipient bank primary account number (PAN) using the recipient bank identifier, generating an authorization request message comprising the recipient bank PAN and the recipient account identifier, sending an authorization request message for a transaction to a recipient bank computer, wherein the recipient bank PAN is used to route the authorization request message to the recipient bank computer, and receiving an authorization response message.

主权项：

1. A server computer, comprising: a processor; and a non-transitory computer-readable storage medium, comprising code executable by the processor for implementing a method comprising: receiving a recipient bank identifier and a recipient account identifier associated with a recipient account;determining a recipient bank primary account number (PAN) using the recipient bank identifier;generating an authorization request message comprising the recipient bank PAN and the recipient account identifier;sending an authorization request message for a transaction to a recipient bank computer, wherein the recipient bank PAN is used to route the authorization request message to the recipient bank computer; andreceiving an authorization response message.