ATM/DEBIT EXPEDITED BILL PAYMENTS

摘要

Methods and systems for paying a bill over a financial network are provided. Embodiments of the invention include receiving a payment request at an initiator from a consumer. The payment request may be sent to a financial network. Biller routing information for the biller specified in the payment request is determined at the financial network, at the initiator or at a payment processor. The payment request may be sent to a payment processor using biller routing information. A confirmation message may then be sent to the initiator through the financial network. The initiator may then present the approval or denial message directly to the consumer while the consumer is still in the same session with the initiator. The bill may then be settled between the initiator and the payment processor when the financial network receives the confirmation message that includes an approval message.