System and method for securely registering a recipient to a computer-implemented funds transfer payment network

A computer-implemented payment processing method includes storing, by a computer system, information regarding a recipient in an account information directory, the account information directory being implemented in a data storage system, the information including a public identifier identifying the...

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Bibliographische Detailangaben
Hauptverfasser: Pearce, Brian M, Vancini, Adam, Muthu, Sri Saravana, Bouey, Kevin
Format: Patent
Sprache:eng
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Beschreibung
Zusammenfassung:A computer-implemented payment processing method includes storing, by a computer system, information regarding a recipient in an account information directory, the account information directory being implemented in a data storage system, the information including a public identifier identifying the recipient, the public identifier including an e-mail address and/or a telephone number assigned to the recipient when the public identifier is stored in the account information directory; receiving, by the computer system, a funds transfer request identifying the recipient by the public identifier, the funds transfer request being received via a computer network; determining, by the computer system, a private identifier for the recipient based on the public identifier; and transmitting, by the computer system, a funds transfer message via a computer network to cause funds to be transferred from a sender to the recipient, the funds transfer message being generated using the private identifier.