Patent ID: 8732044

Claim:
A method for electronic payment, comprising the steps of: obtaining, by an entity, a single payment file from a buyer, said single file comprising data specifying both: (i) a first form of payment from said buyer to a first biller and (ii) a second form of payment, different than said first form of payment, from said buyer to a second biller, said entity being separate from said buyer, said first biller, and said second biller, said entity obtaining said single payment file by receiving said file using a hardware processor; appending by said entity, first stored data, from said supplier registry, to said data specifying said first form of payment to said first biller, to effectuate payment to said first biller by said first form of payment, said appending of said first stored data being carried out by said hardware processor; and appending, by said entity, second stored data, from said buyer registry, to said data specifying said second form of payment to said second biller, to effectuate payment to said second biller by said second form of payment, said appending of said second stored data being carried out by said hardware processor.