CERTIFIED PERSON-TO-PERSON PAYMENT SYSTEM

摘要

Disclosed is a system for providing certified person-to-person payments. The system is typically configured to (i) receive payment instructions from a payer, wherein the payment instructions include a payment account, a payment amount, an alias associated with a payee, and a payment certification request; (ii) determine that the payment account has funds sufficient to cover the payment amount; (iii) place a hold on funds in the payment account sufficient to cover the payment amount; (iv) communicate a payment certification code to the payer and a certified payment notification to the payee based upon determining that the payment account has funds sufficient to cover the payment amount; (v) receive the payment certification code from a payee; and (vi) transfer the funds sufficient to cover the payment to an account associated with the payee based upon receiving the payment certification code from the payee.

主权项

1. A system for providing certified payments, comprising:
a computer apparatus including a processor and a memory; and a certified payment system module stored in the memory, executable by the processor and configured to:
receive payment instructions from a payer computing device, wherein the payment instructions include a payment account, a payment amount, an alias associated with a payee, and a payment certification request;determine that the payee is a registered payee based on the alias;determine that the payment account has funds sufficient to cover the payment amount;place a hold on funds in the payment account sufficient to cover the payment amount;communicate a payment certification code to the payer based upon determining that the payment account has funds sufficient to cover the payment amount;communicate a certified payment notification to the payee based up determining that the payment account has funds sufficient to cover the payment amount and determining that the payee is a registered payee based on the alias;receive the payment certification code from a payee computing device; andtransfer the funds sufficient to cover the payment to an account associated with the payee based upon receiving the payment certification code from the payee computing device.