SYSTEM AND METHOD OF SECURE REVERSE PAYMENT

摘要

A system and method for providing a reverse payment model that automatically transfers funds a merchant (685) to a consumer (680) are described. The invention allows a consumer to create, edit, and store profile information including consumer accounts and corresponding default accounts. In one embodiment, the invention includes an input module (650) for receiving a confirmation; a matching module (660) coupled to the input module (650) for comparing the confirmation to a plurality of consumer accounts and matching a selected account from the plurality of consumer accounts wherein the selected account has a default account; and a connection module (665) coupled to the matching module (660) for automatically connecting a merchant bank (685) with a consumer bank (680) associated with the default account corresponding to the selected account.