PAYMENT IDENTIFICATION CODE AND PAYMENT SYSTEM USING THE SAME
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United States of America Patent
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Issued Date -
N/A
app pub date -
Jan 23, 2013
filing date -
Apr 23, 2002
priority date (Note) -
Abandoned
status (Latency Note)
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Abstract
A payment method including determining whether a first routing identifier included in a payment instruction has routing information for a financial institution. The payment instruction also includes a payee-related identifier. If the first routing identifier is determined to include routing information for a financial institution, then a payment message is transmitted based on the first routing identifier, wherein the payment message includes the payee-related identifier. If the first routing identifier is determined to not include routing information for a financial institution, then (a) payee-related account identification information and a second routing identifier are retrieved based on the payee-related identifier, and (b) a payment message including the payee-related account identification information is transmitted to a payee-related destination, based on the second routing identifier. The payment message does not include at least one of the payee-related identifier and the first routing identifier.
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