INTERNATIONAL PAYMENT SYSTEMS AND METHODS

摘要

A method for effectuating an international payment may include receiving a request to make a payment for a purchase between a consumer and a merchant located in different countries. The request may be to pay for goods or services offered on a website of the merchant and may require a currency conversion. At least a portion of the request may be transmitted to a payment service provider and, in response, a payment amount in the consumer's currency along with a website address of the payment service provider may be received from the payment service provider. The payment amount and the website address may be transmitted to the merchant for display to the consumer to allow the consumer to communicate with the payment service provider to complete the payment transaction. A confirmation of payment may be received from the payment service provider and transmitted to the merchant to confirm payment of the goods or services.

主权项

1. A method for effectuating an international payment for a purchase transacted between a consumer and a merchant, the method comprising:
receiving a transaction request at a funds transfer computer system, the transaction request comprising a purchase price for goods or services being offered on a website of the merchant, the purchase price being in a currency of the merchant's country that is different from a currency of the consumer's country; selecting via the funds transfer computer system a first payment service provider from a plurality of payment service providers to use for the payment transaction, wherein each payment service provider is configured to process payments in one or more different countries; transmitting at least a portion of the transaction request from the funds transfer computer system to the first payment service provider; receiving at the funds transfer computer system from the first payment service provider a payment amount in the currency of the consumer's country along with a website address of the first payment service provider; transmitting from the funds transfer computer system to the merchant the payment amount and the website address of the first payment service provider for display to the consumer such that the consumer may communicate with the first payment service provider to complete the payment transaction; receiving at the funds transfer computer system from the payment service provider a confirmation of payment; and transmitting from the funds transfer computer system to the merchant the confirmation of payment.