ELECTRONIC TRANSACTION APPARATUS AND METHOD

摘要

One inventive step includes facilitating obtaining a payment file associated with a buyer (for example, directly from the buyer, or from a third party partner). The file includes data specifying a first form of payment from the buyer to a first biller and data specifying a second form of payment, different than the first form of payment, from the buyer to a second biller. Other inventive steps include facilitating appending first stored data to the data specifying the first form of payment to the first biller, to effectuate payment to the first biller by the first form of payment; and facilitating appending second stored data to the data specifying the second form of payment to the second biller, to effectuate payment to the second biller by the second form of payment.

主权项

1. A computer program product comprising a non-transitory tangible computer readable recordable storage medium including computer usable program code for electronic payment, said computer program product including:
first computer usable program code which, when executed on at least one hardware processor, causes said at least one hardware processor to obtain, by an entity, a single payment file from a third party provider who has received purchase order data from a buyer, first invoice data from a first biller, and second invoice data from a second biller, said single file comprising data specifying both: (i) a first form of payment from said buyer to a first biller and (ii) a second form of payment, different than said first form of payment, from said buyer to a second biller, said entity being separate from said third party provider, said buyer, said first biller, and said second biller; second computer usable program code which, when executed on said at least one hardware processor, causes said at least one hardware processor to append, by said entity, first stored data, from said supplier registry, to said data specifying said first form of payment to said first biller, to effectuate payment to said first biller by said first form of payment; and third computer usable program code which, when executed on said at least one hardware processor, causes said at least one hardware processor to append, by said entity, second stored data, from said buyer registry, to said data specifying said second form of payment to said second biller, to effectuate payment to said second biller by said second form of payment.