ELECTRONIC PAYMENT MANAGEMENT

摘要

Techniques for managing electronic payment instructions include providing a first bank with access to electronic payment instructions associated with a customer account of the first bank and providing a second bank with access to electronic payment instructions associated with a customer account of the second bank. An electronic payment instruction is received over a network from the customer of the first bank, the instruction is to pay, or receive payment from, the customer of the second bank. The electronic payment instruction is stored and sent to at least one of the first bank and the second bank to initiate payment between the customer account of the first bank and the customer account of the second bank.