System and Method for Issuer Originated Payments for On-Line Banking Bill Payments

A method for processing on-line banking bill payment requests, the method comprising:

• receiving at a transaction processor an on-line banking bill payment request for paying a bill using an account, wherein the on-line banking bill payment request is originated by an entity different from a biller associated with the bill;
• generating at the transaction processor an authorization request message in response to receiving the on-line banking bill payment request from the entity different from the biller;
• sending the authorization request message from the transaction processor to an issuer associated with the account;
• and
• receiving at the transaction processor an authorization response message from the issuer indicating approval or denial of the on-line banking bill payment request.

A method for processing on-line banking bill payment requests, the method comprising:

• sending to a transaction processor an on-line banking bill payment request for paying a bill using an account, wherein the on-line banking bill payment request is originated by an entity different from a biller associated with the bill;
• and
• receiving a message indicating whether the on-line banking bill payment request is approved,
• wherein the transaction processor generates an authorization request message in response the on-line banking bill payment request, sends the authorization request message to an issuer associated with the account, receives an authorization response message from the issuer indicating approval or denial of the on-line banking bill payment request, and settles the on-line banking bill payment request if the authorization response message indicates the on-line banking bill payment request is approved.

A method for processing on-line banking bill payment requests, the method comprising:

• receiving at an issuer an authorization request message from a transaction processor, wherein the authorization request message is generated by the transaction processor in response to the transaction processor receiving an on-line banking bill payment request for paying a bill using an account associated with the issuer, the on-line banking bill payment request being originated by an entity different from a biller associated with the bill;
• determining at the issuer whether the on-line banking bill payment request should be approved;
• and
• sending an authorization response message from the issuer to a transaction processor, wherein the authorization response message indicates approval or denial of the on-line banking bill payment request and wherein the transaction processor settles the on-line banking bill payment request if the authorization response message indicates the on-line banking bill payment request is approved.