File structure for FACILITATE THE RESTRUCTURING accounts in electronic payment systems

摘要

1. A process comprising the following steps:;reception process performed by a financial institution on account of payment transactions via electronic funds transfer, the first information representing a restructuring Biller account that uses a specified operation;;in association with unified file formatting of the first information and the second information having a format different from the format of the first information, and includes information to update the maps used in regular card payments through payment cards issued by the specified financial institution, and;File transfer with standardized formatting operator billing network configured to facilitate the conditions of transactions between a plurality of emitters and a plurality of acquirers.;2. A method according to claim 1, characterized in that it comprises the following additional steps:;receiving payment network operator specified file with standardized formatting indicating at least one old account number and at least one new account number associated with said Biller;;providing the operator of the payment system functioning network of regular payment transactions for regular payments in "card not present" mode, in accordance with the unified file with formatting by updating the card information for the implementation of these regular payments in this mode, in accordance with the specified file and;application launch operator billing network to transform the account during the electronic transfer of funds in accordance with the unified file with formatting by routing payments according to the specified file.;3. The method of claim 2, further comprising providing presence system comprising discrete software modules, each of which is recorded in at least one tangible computer readable storage medium, wherein said modules include bill payment module by electronic funds transfer, integrating module and the payment module network platform, wherein:;receiving information carried by first launching of said module payment account at least first hardware processor;;combining the first information and the second information is performed by running the module integrating at least said first hardware processor;;a file transfer is performed with standardized formatting integrating module by running at least at said first hardware processor;;reception with unified file formatting is performed by launching the payment network platform for at least the second hardware processor;;Regular maintenance of the system payment transaction effected by the payment network of the launcher platform on at least said second hardware processor, and;execution of the application for conversion operations account with the electronic transfer of funds provided by the launcher payment network platform at least said second hardware processor.;4. A method according to claim 2, characterized in that said payment routing includes: placing at least one old account number and at least one new account number associated with said biller, the data structure conversion in the format that facilitates transformation account number;;receiving from the initiator Payment Billing account, containing an indication of the old numbers specified Biller account and;payment routing data to the new phone number specified Biller account in accordance with the specified data conversion structure.;5. The method of claim 4, wherein said update information includes making a card payment to the network operator information acquiring said update.;6. A method according to claim 1, characterized in that said first biller is a biller, wherein the receiving step further displays a first information restructuring Biller second account that uses the specified account payment transaction through electronic funds transfer.;7. The method of claim 1, wherein said combining step to update the map information includes at least the new card account number or a new expiration date of validity period.;8. A method comprising the following steps:;receiving payment service provider configured the condition to facilitate transactions between a plurality of emitters and a plurality of acquirers, from a financial institution file with standardized formatting indicating at least one old account number and at least one new account number associated with the biller, and prepared specified financial institution by combining:;first information representing a restructuring of the account specified Biller, who uses the account of payment transaction through an electronic transfer of funds carried out by a financial institution, and;the second information having format different from the format of the first information, and includes information to update the maps used in regular card payments through payment cards issued by the said financial institution;;providing the operator of the payment system functioning network of regular payment transactions for regular payments in "card not present" mode, in accordance with the unified file with formatting by updating the card information for regular payments in this mode, in accordance with the specified file and;the implementation of the application of the payment service provider to convert the account during the electronic transfer of funds, in accordance with the unified file with formatting by routing payments according to the specified file.;9. The method of claim 8, further comprising ensuring the availability of a system comprising at least one digital program module recorded using at least one machine-readable tangible storage medium containing a payment network platform module, wherein:;reception with unified file formatting is performed by launching the payment network platform at least on the first hardware processor;;maintenance of the system of regular payment transactions carried out by launching the payment network platform at least on the first hardware processor,;execution of an application to convert the account transactions during the electronic transfer of funds carried out by launching the payment network platform at least on the first hardware processor.;10. The method according to claim 8, characterized in that said payment routing includes:;placing at least one old account number and at least one new account number associated with said biller, the data structure conversion in the format that facilitates conversion of account numbers;;receiving from the initiator payment billing account, including the designation of the old numbers specified Biller account and;payment routing data to the new phone number specified Biller account in accordance with the specified data conversion structure.;11. The method of claim 10, wherein said update information includes card payment network operator bringing to the attention of acquiring information about said updating.;12. Apparatus comprising:;a first memory and at least a first processor coupled to the first storage device and configured to:;reception in the implementation of financial institution payment transaction accounts through electronic transfer of funds, the first information representing a restructuring Biller account that uses a specified operation;;in association with unified file formatting of the first information and the second information having a format different from the format of the first information, and includes information to update the maps used in regular card payments through payment cards issued by the specified financial institution, and;facilitate file transfer with standardized formatting operator billing network configured to facilitate transactions among multiple issuers and acquirers multitude.;13. The apparatus of claim 12, further comprising:;billing network provided by a given operator, and is configured from a condition facilitating transactions between a plurality of issuers and acquirers set and connected at least to the first processor;;second memory;;at least a second processor coupled to the second storage device and said payment network and configured to:;receive a file with standardized formatting indicating at least one old account number and at least one new account number associated with said Biller;;ensure that the system of regular payment transactions for regular payments in "card not present" in accordance with the unified file with formatting by updating the card information for the implementation of these regular payments in this mode, in accordance with the specified file and;operations application to convert the account during the electronic transfer of funds in accordance with the unified file with formatting by routing payments according to the specified file.;14. Apparatus according to claim 13, characterized in that it further comprises at least a computer readable storage medium material realizing discrete software modules, including the module payment account through an electronic funds transfer, the integrator module and the network module of the payment platform, wherein:;at least a first processor configured to:;receiving the first information by the specified module start paying the bill;;combining the first information and second information by running the integrating module;;facilitate file transfer with standardized formatting by running the integrating module;;at least a second processor configured to:;File reception with standardized formatting by running the module payments network platform;;ensure that the system of regular payment transactions by running the payment network and platform module;execution of the application to convert the account transactions during the electronic transfer of funds by launching the online payment platform.;15. Apparatus according to claim 13, characterized in that at least a second processor configured to perform routing of these payments by:;space of at least one old account number and at least one new account number associated with said biller, the data structure conversion in the format that facilitates conversion of account numbers;;receipt of payment initiator payment account data containing an indication of the old numbers specified Biller account and;routing billing information on the new account number of said Biller in accordance with a data conversion structure.;16. The apparatus of claim 15, wherein the at least second processor is configured to update said information card by communicating information to update the map information acquirer.;17. Apparatus according to claim 12, characterized in that said first biller is a biller, wherein the first information further displays restructuring Biller second account that uses the specified account payment transaction through electronic funds transfer.;18. The apparatus of claim 12, wherein the information to update the card contains at least the new number card account or a new date for the expiry of the card validity period.;19. A computer program product comprising at least one material storage medium readable program code with a computer, said product comprising:;computer program code for receiving, in the implementation of financial institution payment transaction accounts through electronic transfer of funds, the first information representing a restructuring Biller account that uses a specified operation;;computer program code for combining into a file with a standardized formatting of the first information and the second information having format different from the format of the first information, and includes information to update the maps used in regular card payments through payment cards issued by the specified financial institution, and;computer program code for file transfer with standardized formatting operator billing network configured to facilitate the conditions of transactions between a plurality of emitters and a plurality of acquirers.;20. The software product of claim 19, characterized in that it further comprises:;computer program code for receiving a file of the payment service provider with a standardized formatting indicating at least one old account number and at least one new account number associated with said biller;;computer program code for operation of the network operator of the payment system of regular payment transactions for regular payments in "card not present" in accordance with the unified file with formatting by updating the card information for the implementation of these payments in accordance with the specified file and;computer program code for running the payment service provider application to convert the account during the electronic transfer of funds, in accordance with the unified file with formatting by routing payments according to the specified file.;21. The software product of claim 20, wherein the computer program code for routing the said charges comprising:;computer program code for placing at least one old account number and at least one new account number associated with said biller, the data structure conversion in the format that facilitates conversion of account numbers;;computer program code for receiving from the initiator payment billing account, including the designation of the old numbers specified Biller account and;computer program code for routing data for a new payment account number of said Biller in accordance with said data conversion structure.;22. The software product of claim 21, wherein the computer program code for updating said information card includes computer program code for communicating facilitate payment to the network operator acquiring information about said updating.;23. The software product of claim 19, wherein said information for updating map composed computer program code for combining comprises at least a new card account number or a new expiration date of validity period.;24. Apparatus comprising:;means for receiving in the implementation of financial institution payment transaction accounts through electronic transfer of funds, the first information representing a restructuring Biller account that uses a specified operation;;means for combining into a file with a standardized formatting of the first information and the second information having format different from the format of the first information, and includes information to update the maps used in regular card payments through payment cards issued by the specified financial institution, and;means to facilitate file transfer with standardized formatting operator billing network configured to facilitate the conditions of transactions between a plurality of emitters and a plurality of acquirers.;25. Apparatus according to claim 24, characterized in that it further comprises:;means for receiving a file payment service provider with uniform formatting, indicating at least one old account number and at least one new account number associated with said Biller;;means for providing a payment service provider system of regular functioning of payment transactions for regular payments in "card not present" in accordance with the unified file with formatting by updating the card information for the implementation of these regular payments in this mode, in accordance with the specified file and;means for starting the payment service provider application to convert the account during the electronic transfer of funds in accordance with the unified file with formatting by routing payments according to the specified file.