| 摘要 |
A method to perform a payment comprises receiving a request from a payer to pay a payee, wherein the request comprises a payer account ID and a payee account ID; receiving, based on the payer account ID, a reservation confirmation that a payment amount is reserved from the payer's payment account; retrieving, based on the payee account ID, a receiving clearing account (RCA) ID identifying an RCA held at the payee financial institution; and initiating, by a computer processor and in response to the reservation confirmation, a settlement process comprising: transferring the payment amount from the RCA to the payee's payment account using a payee electronic funds transfer (EFT) capability of the payee's financial institution within a single business day of receiving the request by the payment service provider; and debiting the payment amount from the payer's payment account to reimburse the Step 201 Receive a request frorn a payer to pay a payee, where the request identifies a payer's payrnent account held at a payer financial institution and a payee's payment account held at a payee financial institution, where the payer financial institution is external to the payee financial institution Step 202 Receive, based on the payer account ID, a reservation confirmation that a payment amount is reserved from the payer's payment account /Step 203 Retrieve, based on the payee account ID, a receiving clearing account (RCA) ID identifying an RCA held at the payee financial institution and controlled by the payment service provider S -j- Step 204 Optionally credit the payment amount to a bookkeeping account for the payee in response to the I reservation confirmation Step 205 Step 206 Initiate a settlement process in response to Initiate a clearing process in response to the the reservation confirmation reservation confirmation Step 207 Receive a service fee |
