Inter-network financial service

Abstract

Systems and methods for making a payment on behalf of a payer to a payee are provided. A request to make a payment on behalf of a payer to a payee is received at a first payment service provider. The first payment service provider supports a first payment network within a plurality of payment networks that each include a respective plurality of payers and payees. The payer is one of the plurality of payers and payees associated with the first payment network, and the payor is not one of the plurality of payers and payees associated with the first payment network. A second payment network within the plurality of payment networks with which the payee is associated is identified by the first payment service provider. A payment instruction to make the payment to the payee is transmitted by the first payment service provider to a second payment service provider associated with the second payment network.

1 . A system comprising:
 at least one memory storing computer-executable instructions; and   at least one processor associated with a first payment service provider, wherein the first payment service provider is associated with a first payment network, and wherein the at least one processor is configured to access the at least one memory and execute the computer-executable instructions to:
 receive, on behalf of a requestor, a request comprising information identifying a payee, wherein the payee is associated with a second payment network that is different from the first payment network; 
 determine that the payee is not registered with at least one of: (i) the first payment network, or (ii) the first payment service provider; 
 generate an invitation inviting the payee to register with at least one of: (i) the first payment network, or (ii) the first payment service provider; 
 transmit the invitation to the payee based at least in part on the information identifying the payee; 
 receive information identifying at least one of: (i) the second payment network, or (ii) a second payment service provider associated with the second payment network; 
 receive an identifier associated with the payee; and 
 register the payee with at least one of: (i) the first payment network, or (ii) the first payment service provider based at least in part on the received identifier associated with the payee and the received information identifying at least one of: (i) the second payment network, or (ii) the second payment service provider associated with the second payment network. 
   
     
     
         2 . The system of  claim 1 , wherein the request corresponds to a request to invite the payee to register with the first payment network or the request corresponds to a request to transfer funds to the payee. 
     
     
         3 . The system of  claim 1 , wherein the information identifying the payee comprises an identifier for notifying the payee. 
     
     
         4 . The system of  claim 3 , wherein the identifier for notifying the payee comprises an electronic mail address associated with the payee, and wherein the invitation is transmitted to the electronic mail address associated with the payee. 
     
     
         5 . The system of  claim 1 , wherein the at least one processor is configured to determine that the payee is not registered with the first payment network by:
 comparing the information identifying the payee included in the request with information stored in one or more databases.   
     
     
         6 . The system of  claim 1 , wherein the invitation comprises a link to a user interface. 
     
     
         7 . The system of  claim 1 , wherein the at least one processor is further configured to:
 present a user interface to the payee,   wherein the information identifying at least one of: (i) the second payment network, or (ii) the second payment service provider is received from the payee via the user interface.   
     
     
         8 . The system of  claim 7 , wherein the at least one processor is further configured to:
 transfer control of a registration session with the payee to the second payment service provider in order to authenticate the payee;   receive the control of the registration session from the second payment service provider upon authentication of the payee,   wherein the identifier associated with the payee is received from the second payment service provider in association with the receipt of the control of the registration session.   
     
     
         9 . The system of  claim 1 , wherein the identifier associated with the payee is received from the second payment service provider. 
     
     
         10 . The system of  claim 1 , wherein the at least one processor is further configured to:
 store the information identifying the payee included in the received request, and   wherein the at least one processor is configured to register the payee with at least one of: (i) the first payment network, or (ii) the first payment service provider by:
 storing the received identifier associated with the payee in association with the stored information identifying the payee. 
   
     
     
         11 . The system of  claim 1 , wherein the requestor is a payor associated with the first payment network, and wherein the request corresponds to a request for a funds transfer from the payor to the payee, and wherein the at least one processor is further configured to:
 generate a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of the funds transfer;   transmit the payment directive message to the second payment service provider; and   receive, from the second payment service provider, an acceptance message in response to the payment directive message.   
     
     
         12 . The system of  claim 11 , wherein the at least one processor is further configured to:
 receive, at an account associated with the first payment service provider, the funds from the account associated with the payor; and   transfer the funds to an account associated with the second payment service provider.   
     
     
         13 . The system of  claim 1 , wherein the requestor is a payor associated with the first payment network, and wherein the request corresponds to a request for a funds transfer from the payor to the payee, and wherein the at least one processor is further configured to:
 generate a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of the funds transfer;   transmit the payment directive message to the second payment service provider;   receive, from the second payment service provider, a denial message in response to the payment directive message; and   transmit, to the payor, information indicating receipt of the denial message from the second payment service provider.   
     
     
         14 . The system of  claim 1 , wherein the request is a first request, and wherein the at least one processor is further configured to:
 receive a second request on behalf of a payor associated with the first payment network, wherein the second request corresponds to a request for a funds transfer from the payor to the payee;   generate a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of the funds transfer;   transmit the payment directive message to the second payment service provider;   receive, from the second payment service provider, an acceptance message in response to the payment directive message.   
     
     
         15 . The system of  claim 14 , wherein the requestor and the payor are a same entity. 
     
     
         16 . A method, comprising:
 receiving, by a payment service provider system on behalf of a requestor, a request comprising information identifying a payee, wherein the payment service provider system is associated with a first payment service provider and the first payment service provider is associated with a first payment network, and wherein the payee is associated with a second payment network that is different from the first payment network;   determining, by the payment service provider system, that the payee is not registered with at least one of: (i) the first payment network, or (ii) the first payment service provider;   generating, by the payment service provider system, an invitation inviting the payee to register with at least one of: (i) the first payment network, or (ii) the first payment service provider;   transmitting, by the payment service provider system, the invitation to the payee based at least in part on the information identifying the payee;   receiving, by the payment service provider system, information identifying at least one of: (i) the second payment network, or (ii) a second payment service provider associated with the second payment network;   receiving, by the payment service provider system, an identifier associated with the payee; and   registering, by the payment service provider system, the payee with at least one of: (i) the first payment network, or (ii) the first payment service provider based at least in part on the received identifier associated with the payee and the information identifying at least one of: (i) the second payment network, or (ii) the second payment service provider.   
     
     
         17 . The method of  claim 16 , wherein the request corresponds to a request to invite the payee to register with the first payment network or the request corresponds to a request to transfer funds to the payee. 
     
     
         18 . The method of  claim 16 , wherein the information identifying the payee comprises an identifier for notifying the payee. 
     
     
         19 . The method of  claim 18 , wherein the identifier for notifying the payee comprises an electronic mail address associated with the payee, and wherein transmitting the invitation to the payee comprises transmitting the invitation to the electronic mail address associated with the payee. 
     
     
         20 . The method of  claim 16 , wherein determining that the payee is not registered with the first payment network comprises:
 comparing, by the payment service provider system, the information identifying the payee included in the request with information stored in one or more databases.   
     
     
         21 . The method of  claim 16 , wherein the invitation comprises a link to an enrollment user interface. 
     
     
         22 . The method of  claim 21 , further comprising:
 presenting the enrollment user interface to the payee,   wherein the information identifying at least one of: (i) the second payment network, or (ii) the second payment service provider is received from the payee via the user interface.   
     
     
         23 . The method of  claim 22 , further comprising:
 transferring, by the payment service provider system, control of a registration session with the payee to the second payment service provider in order to authenticate the payee; and   receiving, by the payment service provider system, the control of the registration session from the second payment service provider upon authentication of the payee,   wherein the identifier associated with the payee is received from the second payment service provider in association with the receipt of the control of the registration session.   
     
     
         24 . The method of  claim 16 , wherein the identifier associated with the payee is received from the second payment service provider. 
     
     
         25 . The method of  claim 16 , further comprising:
 storing, by the payment service provider system, the information identifying the payee included in the received request, and   wherein registering the payee with at least one of: (i) the first payment network, or (ii) the first payment service provider comprises:   storing, by the payment service provider system, the received identifier associated with the payee in association with the stored information identifying the payee.   
     
     
         26 . The method of  claim 16 , wherein the requestor is a payor associated with the first payment network, and wherein the request corresponds to a request for a funds transfer from the payor to the payee, further comprising:
 generating, by the payment service provider system, a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of the funds transfer;   transmitting, by the service provider system, the payment directive message to the second payment service provider; and   receiving, by the service provider system from the second payment service provider, an acceptance message in response to the payment directive message.   
     
     
         27 . The method of  claim 26 , further comprising:
 receiving, by the payment service provider system, at an account associated with the first payment service provider, the funds from the account associated with the payor, and   transferring, by the payment service provider system, the funds to an account associated with the second payment service provider.   
     
     
         28 . The method of  claim 16 , wherein the requestor is a payor associated with the first payment network, and wherein the request corresponds to a request for a funds transfer from the payor to the payee, further comprising:
 generating, by the payment service provider system, a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of the funds transfer;   transmitting, by the payment service provider system, the payment directive message to the second payment service provider;   receiving, by the payment service provider system from the second payment service provider, a denial message in response to the payment directive message; and   transmitting, by the payment service provider system, information indicating receipt of the denial message from the second payment service provider to the payor.   
     
     
         29 . The method of  claim 16 , wherein the request is a first request, further comprising:
 receiving, by the payment service provider system, a second request on behalf of a payor associated with the first payment network, wherein the second request corresponds to a request for a funds transfer from the payor to the payee;   generating, by the payment service provider system, a payment directive message, wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of the funds transfer;   transmitting, by the payment service provider system, the payment directive message to the second payment service provider; and   receiving, by the payment service provider system from the second payment service provider, an acceptance message in response to the payment directive message.   
     
     
         30 . The method of  claim 29 , wherein the requestor and the payor are a same entity. 
     
     
         31 . A system comprising:
 at least one memory storing computer-executable instructions; and   at least one processor associated with a first payment service provider, wherein the first payment service provider is associated with a first payment network, and wherein the at least one processor is configured to access the at least one memory and execute the computer-executable instructions to:   receive, on behalf of a payor associated with the first payment network, a request for a funds transfer from the payor to a payee, wherein the payee is associated with a second payment network that is different from the first payment network;   determine that the payee is registered with at least one of: (i) the first payment network, or (ii) the first payment service provider;   generate a payment directive message;   transmit the payment directive message to a second payment service provider associated with the second payment network; and   receive, from the second payment service provider, an acceptance message or a denial message in response to the payment directive message.   
     
     
         32 . The system of  claim 31 , wherein the acceptance message is received from the second payment service provider, and wherein the at least one processor is further configured to:
 transmit a debit instruction instructing the funds to be debited from an account associated with the payor.   
     
     
         33 . The system of  claim 32 , wherein the at least one processor is further configured to:
 receive, at an account associated with the first payment service provider, the funds from the account associated with the payor; and   transfer the funds to an account associated with the second payment service provider.   
     
     
         34 . The system of  claim 31 , wherein the at least one processor is configured to determine that the payee is registered with the first payment network by:
 accessing information stored in one or more databases, and   determining that the stored information comprises an identifier associated with the payee and information identifying at least one of: (i) the second payment network, or (ii) the second payment network service provider.   
     
     
         35 . The system of  claim 34 , wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of the funds transfer. 
     
     
         36 . The system of  claim 34 , wherein the at least one processor is further configured to:
 identify the second payment service provider based at least in part on the information identifying the second payment service provider.   
     
     
         37 . The system of  claim 31 , wherein the denial message is received based at least in part on the payee no longer being registered with the first payment network or the first payment service provider. 
     
     
         38 . The system of  claim 31 , wherein the denial message is received based at least in part on the payee declining the funds transfer. 
     
     
         39 . The system of  claim 31 , wherein the denial message is received from the second payment service provider, and wherein the at least one processor is further configured to:
 transmit information indicating receipt of the denial message to the payor.   
     
     
         40 . A method comprising:
 receiving, by a payment service provider system, on behalf of a payor associated with a first payment network, a request for a funds transfer from the payor to a payee, wherein the payment service provider system is associated with a first payment service provider and the first payment service provider is associated with the first payment network, and wherein the payee is associated with the second payment network that is different from the first payment network;   determining, by the payment service provider system, that the payee is registered with at least one of: (i) the first payment network, or (ii) the first payment service provider;   generating, by the payment service provider system, a payment directive message;   transmitting, by the payment service provider system, the payment directive message to a second payment service provider associated with the second payment network; and   receiving, by the payment service provider system from the second payment service provider, an acceptance message or a denial message in response to the payment directive message.   
     
     
         41 . The method of  claim 40 , wherein the acceptance message is received from the second payment service provider, further comprising:
 transmitting, by the payment service provider system, a debit instruction instructing the funds to be debited from an account associated with the payor.   
     
     
         42 . The method of  claim 41 , further comprising:
 receiving, by the payment service provider system, at an account associated with the first payment service provider, the funds from the account associated with the payor; and   transferring, by the payment service provider system, the funds to an account associated with the second payment service provider.   
     
     
         43 . The method of  claim 40 , wherein determining that the payee is associated with at least one of: (i) the first payment network, or (ii) the first payment service provider comprises:
 accessing information stored in one or more databases, and   determining that the stored information comprises an identifier associated with the payee and information identifying at least one of: (i) the second payment network, or (ii) the second payment network service provider.   
     
     
         44 . The method of  claim 43 , wherein the payment directive message comprises the identifier associated with the payee and a payment amount indicating an amount of the funds transfer. 
     
     
         45 . The method of  claim 43 , further comprising:
 identifying, by the payment service provider system, the second payment service provider based at least in part on the information identifying the second payment service provider.   
     
     
         46 . The method of  claim 40 , wherein the denial message is received based at least in part on the payee no longer being registered with the first payment network for the first payment service provider. 
     
     
         47 . The method of  claim 40 , wherein the denial message is received based at least in part on the payee declining the funds transfer. 
     
     
         48 . The method of  claim 40 , wherein the denial message is received from the second payment service provider, further comprising:
 transmitting, by the payment service provider system, information indicating receipt of the denial message to the payor.