SYSTEMS AND METHODS FOR REMOTE ELECTRONIC COLLECTION OF PAYMENT

摘要

Systems and methods that receive one or more images or one or more information elements associated with a payment instrument in the form of a payment request. The payment request may be processed to identify a debit mechanism and a debit card account to which a credit is to be made. A debit transaction may be generated based at least in part on the payment request. A credit transaction may be generated based at least in part on the payment request and the debit card account.

主权项

1. A service provider system, comprising:
one or more memories that stores computer-executable instructions; and one or more processors configured to access the one or more memories, wherein at least one of the one or more processors is further configured to execute the computer-executable instructions to:
receive, on behalf of a depositor, a deposit request associated with a payment to be deposited, wherein the deposit request includes at least one or more images associated with the payment instrument;generate a debit transaction comprising one or more of: (i) one or more information elements associated with the payment instrument, or (ii) at least one of the one or more images associated with the payment instrument;transmit, to one of an item processing system or payment processor system, the debit transaction to initiate a debit of a first financial account with which the payment instrument is associated, wherein the debit is for a first amount associated with an amount of the payment;identify a debit card account number associated with a second financial account to be credited, wherein the second financial account is associated with the depositor;generate a credit transaction comprising: (i) an identification of the debit card account number and (ii) an identification of a second amount associated with the amount of the payment; andinitiate a credit of the second financial account by providing the generated credit transaction to a debit network system