PAYMENT REQUESTS

摘要

The present disclosure relates to computing systems that support payments between two users. When implemented as a computer, the computer facilitates P2P payment. The computer receives from a payee or a payee FI a payment request. The payment request includes a payer identifier, a payee identifier and payment information. The computer then determines a payer FI and sends the payment request to the payer FI to cause the payer FI to notify the payer of the payment request and to enable the payer to confirm the payment. The computer receives from the payer FI a payment notification for the payment and sends the payment notification to the payee FI. The payer and the payee are not required to open a new account at a third party system but funds are transferred directly from the payer FI to the payee FI.

主权项

1. A computer implemented method performed by a central financial management system for facilitating a payment from a payer to a payee, the method comprising:
(a) receiving from a payee or a payee FI a payment request, the payment request including:
a payer identifier,a payee identifier, andpayment information; (b) based on the payer identifier, automatically determining a payer FI and sending a message including the payment request to the payer FI to cause the payer FI to notify the payer of the payment request and to enable the payer to confirm payment; (c) receiving from the payer FI a payment notification for the payment; and (d) determining the payee FI associated with the payment notification and sending an output message including the payment notification to the payee FI.