System and method for securely registering a recipient to a computer-implemented funds transfer payment network

摘要

A method including storing a record in an information directory of a computer system. The method also includes receiving a confirmation that a particular identifier of the one or more public identifiers is useable to contact the recipient based on one or more responses to one or more authentication request messages. The method additionally includes receiving, through the computer network, a funds transfer request from a sender having a sender account at a second financial institution. The method further includes determining a private identifier for the recipient account using the information directory based on the particular public identifier of the one or more public identifiers. The method additionally includes sending the private identifier through the computer network to the second financial institution to facilitate, based on the funds transfer request, a transfer of funds from the sender account at the second financial institution to the recipient account at the first financial institution such that the second financial institution associates the transfer of the funds with the private identifier, such that the first financial institution uses the private identifier to determine the account number of the recipient to receive the transfer of the funds, and such that the first financial institution deposits the funds into the recipient account. Other embodiments of related systems and methods are disclosed.