transmission of disbursements from a commercial financial account

摘要

A disbursement computing device for transmitting disbursements from a payer to a payee through a payment processing network is provided. The disbursement computing device is configured to receive a disbursement message including at least one disbursement payment instruction for transferring funds from a payer's commercial disbursement financial account to a payee's financial account. The disbursement computing device is also configured to automatically transmit, for each disbursement payment instruction, an acquisition authorization request message to an issuing bank associated with the payer, and to receive a payment authorization message from the associated issuing bank. with the payer that the commercial disbursement financial account has a balance that is at least equal to the disbursement amount. The disbursement computing device is further configured to initiate a transfer of funds equal to the disbursement amount from the payer's financial account to the payee's financial account.