Abstract: A payment provider uses bank rails to enable a bank customer to send real-time payments through the bank site by simply entering a recipient identifier, such as an email address or mobile number. The bank has an account with the payment provider. Thus, when the customer sends a payment through the bank, the payment provider transmits the payment to the recipient through the bank's payment provider account. The bank debits the amount from the user's bank account or from a third party, in which case the bank makes a payment to the third party. The sender does not have to have an account with the payment provider, just an account with the bank.

Abstract: A user without Internet access or a bank account can fund an online payment provider account by depositing cash or voucher from a third party into a machine or with a person, and entering an account identifier, such as an email or phone number. The user can receive cash through the online payment provider by logging into an account through a machine, entering the amount of cash requested, and receiving a voucher. The user can then insert the voucher into a cash dispensing machine or present the voucher to a person to redeem the voucher for cash or redeem the voucher for store merchandise.

Abstract: A user without Internet access or a bank account can fund an online payment provider account by depositing cash or voucher from a third party into a machine or with a person, and entering an account identifier, such as an email or phone number. The user can receive cash through the online payment provider by logging into an account through a machine, entering the amount of cash requested, and receiving a voucher. The user can then insert the voucher into a cash dispensing machine or present the voucher to a person to redeem the voucher for cash or redeem the voucher for store merchandise.

Abstract: A payment provider uses bank rails to enable a bank customer to send real-time payments through the bank site by simply entering a recipient identifier, such as an email address or mobile number. The bank has an account with the payment provider. Thus, when the customer sends a payment through the bank, the payment provider transmits the payment to the recipient through the bank's payment provider account. The bank debits the amount from the user's bank account or from a third party, in which case the bank makes a payment to the third party. The sender does not have to have an account with the payment provider, just an account with the bank.