Patent ID: 8566249

Claim:
A method for ensuring non-repudiation of a payment request obtained from a first party to have a payment made to a second party, the method comprising: receiving, at the one or more computer systems, a payment request from the first party identifying the second party as at least one payee together with a digital certificate having a first portion comprising information identifying the first party as having originated the payment request and a second portion comprising a first list of specific payees to which to first party is authorized to request payment and a first maximum payment amount that the first party can request; performing, with one or more processors associated with the one or more computer systems, an authentication of the first party using the first portion of the digital certificate; retrieving, with the one or more processors associated with the one or more computer systems, stored authority information from a store of authority information maintained by a financial services provider in response to performing the authentication of the first party using the first portion of the digital certificate, the authority information in the store of authority information including a second list of specific payees that have been registered with the financial services provider to whom the first party can request payment and a second maximum payment amount registered with the financial services provider that the first party can request; validating, with the one or more processors associated with the one or more computer systems, whether the digital certificate comprises valid authority information based on a comparison between first list of specific payees and the first maximum payment amount presented in the digital certificate and the second list of specific payees and the second maximum payment amount in the authority information retrieved from the store of authority information maintained by the financial services provider; and generating, with the one or more processors associated with the one or more computer systems, information authorizing the payment request in response to the first party being authenticated by the financial service provider and possessing valid authority to issue the payment request to the second party.