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.

Abstract: An automated computer based payment system and method allows a variety of different payment requesting sources to be coupled to a variety of payment processors. An integrated payment engine receives payment requests from the payment requesting sources and generates therefrom payment instructions that are delivered to the payment processors. The integrated payment engine employs profile information defining payment requesting source and payment processor preferences and requirements to generate the payment instructions from the payment requests. Additional and/or different payment requesting sources and payment processors can be integrated into the system easily by modifying the profile information. The integrated payment engine also employs flexible risk and operational preferences to generate automatically a payment instruction which will implement the payment request so as to optimize a balance of factors associated with making a payment, such as risk and cost.

Abstract: An improved system and an associated method for entering, updating, and maintaining information relating to payees is disclosed which includes data supplied by consumers, data contained in biller invoices, and data relating to the mechanisms to be used for payment of billers. The payee information management system of the present invention maintains proprietary biller remittance information in a database which is separate from the database containing consumer/payee information which has been provided by consumers, eliminating the need to place remittance information in entries for each payee of each consumer, thereby making the consumer/payee database substantially smaller and more efficient. The payee information management system of the present invention also has a standard set of payee data which is available to send to third parties to obtain further bill payment business without requiring that proprietary biller remittance information be divulged.