Abstract: Systems and methods of remittance processing where a merchant database is provided that includes one or more alteration rules that are associated with a particular payee. A consumer account number associated with a payor is received and altered into a modified consumer account number, where the alteration is performed in accordance with one or more of the stored alteration rules. The modified consumer account number may then be transmitted to the particular payee to be utilized, for example, when processing a payment.

Abstract: A method and apparatus for electronically processing bill payment requests where respective sets of payment requests are received electronically from a plurality of independent sources, each set of payment requests corresponding to an associated set of payers requesting payments to a plurality of payees. The payment requests are processed at a single remittance processing system having a database including payee information for each of the plurality of payees to generate payment directions for paying the plurality of payees in accordance with the processed payment requests.

Abstract: A method and apparatus for electronically processing bill payment requests where respective sets of payment requests are received electronically from a plurality of independent sources, each set of payment requests corresponding to an associated set of payors requesting payments to a plurality of payees. The payment requests are processed at a single remittance processing system having a database including payee information for each of the plurality of payees to generate payment directions for paying the plurality of payees in accordance with the processed payment requests.

Abstract: Systems and methods of remittance processing where a merchant database is provided that includes one or more alteration rules that are associated with a particular payee. A consumer account number associated with a payor is received and altered into a modified consumer account number, where the alteration is performed in accordance with one or more of the stored alteration rules. The modified consumer account number may then be transmitted to the particular payee to be utilized, for example, when processing a payment.

Abstract: Systems and methods of remittance processing where a merchant database is provided that includes one or more alteration rules that are associated with a particular payee. A consumer account number associated with a payor is received and altered into a modified consumer account number, where the alteration is performed in accordance with one or more of the stored alteration rules. The modified consumer account number may then be transmitted to the particular payee to be utilized, for example, when processing a payment.

Abstract: A computer implemented system and method for payment remittance receives a payor's payment information, processes this payment information, other than a received zip code, to identify an eleven digit zip code for a payee. The system and method then accesses a database of payee records to locate a payee record corresponding to the eleven digit zip code.

Abstract: In a computer implemented remittance payment process, a a payor request is received from a source to make a payment to a payee having many payment remittance centers. The request includes information identifying a payor account number with the payee. The account number is processed to select a single remittance center of the payor's many remittance centers to which payment is to be made. Payment is then directed to the single remittance center.

Abstract: A computer implemented system and method for payment remittance receives a payor's payment information, processes this payment information, other than a received zip code, to identify an eleven digit zip code for a payee. The system and method then accesses a database of payee records to locate a payee record corresponding to the eleven digit zip code.

Abstract: A remittance payment method and system which receives a payor's account number with a payee, transforming it into an altered account number according to alteration rules previously stored in a merchant's database.