Patent ID: 6932268

Claim:
A method for a payment service provider to direct a payment to a payee on behalf of a payor having a credit card issued by a credit card issuer, comprising: receiving, by the service provider, of a request for the service provider to direct a payment to a payee on behalf of the payor; transmitting payment information associated with the received payment request from the service provider to the credit card issuer via other than a credit card network, the payment information including information identifying at least a payment amount and an account number associated with the payor credit card; receiving, by the service provider and via other than a credit card network, of funds from the credit card issuer responsive to the transmitted payment information; directing, by the service provider, of delivery of funds in the identified payment amount and associated remittance advice to the payee to complete the payment on behalf of the payor; and issuing, by the credit card issuer for the payor, a credit card statement identifying the funds received by the service provider from the credit card issuer as a payment to the payee and not the service provider.