Abstract: A method includes receiving a first ACH (automated clearing house) transaction at a local (domestic) sponsor bank. The first ACH transaction originates from a domestic originating bank. In response to the first ACH transaction, a second ACH transaction is executed from the local sponsor bank to a foreign sponsor bank. The second ACH transaction includes addressing messaging. The addressing messaging indicates a receiving bank in the same country as the foreign sponsor bank. The receiving bank is designated to receive a third ACH transaction from the foreign sponsor bank to benefit a recipient's account at the receiving bank. The addressing messaging contains an account number to identify the recipient's account.

Abstract: A payment management system and method of managing a payment network includes generating a payment token based on a bank account of a user (e.g., a buyer), receiving a dynamic code through a network for a transaction, and validating a request for payment of the transaction using an installment plan based on funds from the bank account. The validating the request for payment of the transaction is performed based on operations which include authenticating the payment token and verifying the dynamic code. In addition, the method includes generating a decision signal indicating a decision for the request when the request for payment is validated and transmitting the decision signal to a merchant system to authorize or decline completion of the transaction.

Abstract: Methods and systems for handling a payment card account system transaction. In an embodiment, a merchant payment services computer receives merchant bank account details for at least one merchant supported by an acquirer financial institution and stores the merchant bank account details in a storage device. The process also includes the merchant payment services computer receiving, from a card payment network computer, card account transaction information for a merchant over a predetermined period of time; calculating, based on the card account transaction information, a net position for the merchant; retrieving merchant bank account details of the merchant from the storage device; and initiating an electronic funds transfer (EFT) with an originating payment services provider (PSP) computer of an electronic funds transfer system to credit the merchant's deposit account in an amount equal to the merchant's net position.

Abstract: A method of routing a payment transaction includes receiving a transaction request message. The message includes a payment token that was previously issued to an account holder. The payment token is translated into a funding account indicator. The funding account indicator is in a format defined for payment card account numbers in a payment account system. The funding account indicator is translated into a bank account number. The bank account number identifies a bank deposit account owned by the account holder. An EFT message is transmitted to initiate an EFT transaction to be funded from the bank deposit account owned by the account holder. The EFT message includes the bank account number.

Abstract: According to one implementation of the present disclosure, a method for bill presentment is disclosed. At a computing device associated with a consumer, the computing device having one or more processors, memory, and a display, the method includes: receiving, at a network integrator interface on a digital messaging system, authentication or transaction data from the consumer on the computing device; matching, by the network integrator interface, authentication or transaction data of the consumer with billing data of one or more biller systems associated with the consumer; and providing, by the network integrator interface, the billing data to the consumer.

Abstract: A method of routing a payment transaction includes receiving a transaction request message. The message includes a payment token that was previously issued to an account holder. The payment token is translated into a funding account indicator. The funding account indicator is in a format defined for payment card account numbers in a payment account system. The funding account indicator is translated into a bank account number. The bank account number identifies a bank deposit account owned by the account holder. An EFT message is transmitted to initiate an EFT transaction to be funded from the bank deposit account owned by the account holder. The EFT message includes the bank account number.

Abstract: A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.

Abstract: An optical scan triggered electronic funds transfer (EFT) method. In an embodiment, a payment services provider computer receives a request for a dynamic quick response (QR) code, generates the dynamic QR code, transmits the dynamic QR code to the POS device and receives a transaction request from a user mobile device proposing a payment transaction without identifying any financial account that belongs to the merchant. The payment services provider computer then transmits a message to the user mobile device prompting the user to confirm the payment transaction, receives an indication confirming the payment transaction and then initiates an electronic funds transfer (EFT) in an EFT system for the transaction amount from a user account to a merchant account.

Abstract: A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.

Abstract: A transaction request is received. The transaction request includes a merchant identifier. The merchant identifier is for identifying a merchant. The merchant's banking details are appended to the transaction request. The transaction request, with the appended banking details, is transmitted to a user's bank. Confirmation is received that a transaction has been performed in accordance with the transaction request. A confirmation is transmitted to the merchant to indicate that the transaction has been performed.

Abstract: The disclosure relates to a deferred real-time payment (RTP) in a trusted and secure system environment to pay for a deferred fulfillment order. The deferred fulfillment order includes products or services that may be fulfilled in part or in full after authorization of the deferred RTP. To facilitate trust and security, a deferred payment system may digitally sign certificates issued to various entities in the system environment. Devices in the system environment may transmit and receive messages to create and later settle deferred RTPs that are trusted based on authentication of the digitally signed certificates, which mitigate against security threats such as man-in-the-middle attacks in a communication network.

Abstract: In operating a payment card account transaction acquirer computer, a transaction request message is received from a merchant. The message represents a purchase transaction accepted by the merchant. The transaction request message is in a format required by a payment card account system. The message includes an indication that funds corresponding to the purchase transaction are to be transferred to a bank account to benefit the merchant via an EFT system. The indication is detected by the payment card account transaction acquirer computer. That computer stores a record of the purchase transaction. In response to the detection of the indication, a flag is set in the record. The flag indicates that the record is not to be submitted for clearing in the payment card account system.

Abstract: Methods and apparatus for bridging transactions between electronic funds transfer (EFT) payment networks and payment card networks. In an embodiment, a process includes a gateway computer receiving a transaction message that includes a token and content, determining that at least one business rule applies which concerns routing of the transaction, and based on the business rule and the content selecting a routing decision to one of route the transaction to a payment card account system or route the transaction to an electronic funds transfer (EFT) system. The process also includes the gateway computer translating the token into a payment card account number (PAN) when the routing decision is to route the transaction to a payment card system, or translating the token into a bank deposit account number when the routing decision is to route the transaction to an EFT system.

Abstract: A method for secure document exchange includes receiving a request from a content owner to initiate a document request of particular information from a record provider to a service provider; and sending the document request to the record provider. The document request sent to the record provider includes the particular information of the content owner as required by the service provider for the record provider to send to the service provider; contact information of the service provider to receive the particular information; and an encryption key with which the record provider is to encrypt the particular information before sending to the service provider The method further includes sending to the service provider a notification message that includes a decryption key with which to decrypt the particular information from the record provider.

Abstract: A method includes receiving a request for payment credentials. The request indicates an account from which payment for a transaction is to be made. A payment token is looked-up that corresponds to the indicated account. Dynamic expiry data and a dynamic token verification code are generated. As a response to the request, the looked-up payment token, the generated dynamic expiry data and the generated dynamic token verification code are transmitted.

Abstract: A method for secure document exchange includes receiving a request from a content owner to initiate a document request of particular information from a record provider to a service provider; sending to the record provider a request for documentation, the request comprising at least: the particular information for the record provider to send to the service provider; contact information of the service provider to receive the particular information; and an encryption key with which to encrypt particular information; and sending to the service provider a notification message, the notification message comprising at least a decryption key with which to decrypt the particular information from the record provider.

Abstract: A system and method for secure and intuitive payment transactions at an ecommerce merchant website with a client device. The system has a trusted platform that hosts a Mediator site and Manifest database that includes a plurality of Manifest files. Each Manifest file includes a unique identifier and mapped payor information for a payment entity. The platform uses the Manifest to validate trusted payment entities and provide the Mediator site. The Mediator site generates cookies with payor information from the Manifest files, which are transmitted stored on user devices. These cookies are employed to facilitate trusted and intuitive transactions at merchant websites using dynamic interface objects presented on the user's client device interface.

Abstract: A payment card account system transaction request is received. The request was initiated by acceptance of a payment card account transaction by a merchant. The request includes a transaction amount. It is determined whether the merchant has selected EFT (electronic funds transfer) settlement for the payment card account transaction that the merchant accepted. In response to the receiving step and also in response to a result of the determination as to whether EFT settlement was selected, an EFT transaction request is routed for the transaction amount to an EFT system to benefit the merchant.

Abstract: A system and method for secure and intuitive payment transactions at an ecommerce merchant website with a client device. The system has a trusted platform that hosts a Mediator site and Manifest database that includes a plurality of Manifest files. Each Manifest file includes a unique identifier and mapped payor information for a payment entity. The platform uses the Manifest to validate trusted payment entities and provide the Mediator site. The Mediator site generates cookies with payor information from the Manifest files, which are transmitted stored on user devices. These cookies are employed to facilitate trusted and intuitive transactions at merchant websites using dynamic interface objects presented on the user's client device interface.

Abstract: A request for payment message is received. The message includes transaction data. A transaction identifier is generated. The transaction data is stored in association with the transaction identifier. The transaction identifier is transmitted to an acquirer bank. A request to retrieve data is received from a payer's bank. The request to retrieve data includes the transaction identifier. At least some of the transaction data is transmitted to the payer's bank. A confirmation is received from the payer's bank. The confirmation indicates that a real-time payment has been made in accordance with the request for payment message.