PAYMENT NETWORK WITH SERVICE PROVIDER DIRECTORY FUNCTION

摘要

A request for a funds transfer is received in a computer. The request includes addressing information for an individual recipient of the requested funds transfer. The computer retrieves identification information that identifies a service provider for the recipient. A request is routed from the computer to a service provider by using the service provider identification information. The request to the service provider is for requesting recipient account information. The computer receives a payment account number from the service provider. The payment account number identifies a payment account that belongs to the recipient. The computer executes the requested funds transfer by routing the funds transfer to the recipient's payment account using the received payment account number.

主权项

1. A method comprising:
receiving, in a computer, a request for a funds transfer, the request including addressing information for an individual recipient of the funds transfer; retrieving, by the computer, identification information that identifies a service provider for the recipient; routing, from the computer, a request to the service provider by using the service provider identification information, the request from the computer for requesting recipient account information; receiving, in the computer, from the service provider, a payment account number that identifies a payment account that belongs to the recipient; and executing the requested funds transfer by routing the funds transfer to the recipient's payment account using the received payment account number.