Patent ID: 8255327

Claim:
A transaction processor, comprising: a payment transaction processing system configured to receive an on-line banking bill payment request for paying a bill using an account associated with a portable consumer device, wherein the on-line banking bill payment request is originated by an entity different from a biller associated with the bill, and configured to generate an authorization request message in response to receiving the on-line banking bill payment request from the entity different from the biller; and an authorization and settlement processing system configured to send the authorization request message to an issuer associated with the account, configured to receive an authorization response message from the issuer indicating approval or denial of the on-line banking bill payment request, and configured to settle the on-line banking bill payment request if the authorization response message indicates the on-line banking bill payment request is approved, wherein the authorization request message is sent to the issuer before the transaction processor communicates with an acquirer associated with the biller.