Patent ID: 8527407

Claim:
A method for conducting a transaction based on a request for payment remittance information, comprising: receiving from a payor, an authorization of at least one payment due on the request for a payment to a payee; associating in a computer readable memory, the at least one payment with a payment request information; sending to a wireless computing device at least one payment instruction; initiating via the wireless computing device the at least one payment of an amount at least in part responsive to the at least one payment instruction; and wherein the at least one payment has payment remittance information arranged within a computer readable data structure and delivered via the wireless computing device, the data structure comprising one or more data fields to hold data that is responsive to received information from the payee, and wherein said payment remittance information further comprises a structured remittance data, wherein at least part of the payment remittance information is kept hidden from the payee.