Consolidated payment options

Abstract

A system for making financial transfers between subscribers of a financial transfer service is disclosed. The system may include a receiving subscriber interface (RSI), a sending subscriber interface (SSI), and an agent server (AS). The RSI may be configured to accept a set of invoice information including an identifier of a destination account. The SSI may be configured to accept a set of payment information including an identifier of a source account. The AS may be configured to receive the set of invoice information and create an invoice based on the set of invoice information. The AS may also be configured to transmit the invoice and receive the set of payment information. The AS may also be configured to cause an amount of funds to be transferred from the source account on a source transfer network to the destination account on a destination transfer network via a primary transfer network.

1 . A system, wherein the system comprises:
 a server computer in communication with a buyer computer and a seller computer, wherein the server computer is configured to at least:
 receive invoice information from the seller computer, wherein the invoice information includes:
 at least a portion of an identifier of a destination accounts; and 
 an amount of funds; 
 
 sending an invoice based at least in part on the invoice information to the buyer computer, wherein the invoice includes:
 at least a portion of the identifier of the destination account; and 
 the amount of funds; 
 
 receive payment information from the buyer computer, wherein the payment information includes at least a portion of an identifier of a source account; and 
 cause at least a portion of the amount of funds to be transferred from the source account to the destination account via a transfer network. 
   
     
     
         2 . The system of  claim 1 , wherein the transfer network comprises:
 at least one of a source transfer network, a destination transfer network, and a primary transfer network.   
     
     
         3 . The system of  claim 1 , wherein causing the amount of funds to be transferred comprises:
 causing a cash payment to be made to a seller associated with the seller computer at an agent location.   
     
     
         4 . The system of  claim 1 , wherein the server computer is further configured to at least:
 stage a transaction to receive funds from the source account.   
     
     
         5 . The system of  claim 1 , wherein the server computer is further configured to at least:
 stage a transaction to provide funds to the destination account.   
     
     
         6 . The system of  claim 1 , wherein:
 the invoice information further comprises a trigger condition, wherein the trigger condition comprises a requirement that a third party inform the server computer that a certain event has transpired; and   sending the invoice to the buyer occurs only after the trigger condition is satisfied.   
     
     
         7 . The system of  claim 6 , wherein the certain event comprises a selection from a group consisting of:
 verification of availability of goods or services;   packaging of goods;   shipment of goods; and   a certain progression of a shipment through a shipper's shipping system.   
     
     
         8 . A method comprising:
 receiving invoice information from a seller computer, wherein the invoice information includes:   at least a portion of an identifier of a destination account; and   an amount of funds;   sending an invoice based at least in part on the invoice information to the buyer computer, wherein the invoice includes:
 at least a portion of the identifier of the destination account; and 
 the amount of funds; 
   receiving payment information from the buyer computer, wherein the payment information includes at least a portion of an identifier of a source account; and   causing at least a portion of the amount of funds to be transferred from the source account to the destination account via a transfer network.   
     
     
         9 . The method of  claim 8 , wherein the transfer network comprises:
 at least one of a source transfer network, a destination transfer network, and a primary transfer network.   
     
     
         10 . The method of  claim 8 , wherein causing the amount of funds to be transferred comprises:
 causing a cash payment to be made to a seller associated with the seller computer at an agent location.   
     
     
         11 . The method of  claim 8 , the method further comprising:
 staging a transaction to receive funds from the source account.   
     
     
         12 . The method of  claim 8 , the method further comprising:
 staging a transaction to provide funds to the destination account.   
     
     
         13 . The method of  claim 8 , wherein:
 the invoice information further comprises a trigger condition, wherein the trigger condition comprises a requirement that a third party inform the server computer that a certain event has transpired; and   sending the invoice to the buyer occurs only after the trigger condition is satisfied.   
     
     
         14 . The method of  claim 13 , wherein the certain event comprises a selection from a group consisting of:
 verification of availability of goods or services;   packaging of goods;   shipment of goods; and   a certain progression of a shipment through a shipper's shipping system.   
     
     
         15 . A non-transitory machine readable medium having instructions stored thereon, the instructions executable by one or more processors for at least:
 receiving invoice information from a seller computer, wherein the invoice information includes:   at least a portion of an identifier of a destination account; and   an amount of funds;   sending an invoice based at least in part on the invoice information to the buyer computer, wherein the invoice includes:
 at least a portion of the identifier of the destination account; and 
 the amount of funds; 
   receiving payment information from the buyer computer, wherein the payment information includes at least a portion of an identifier of a source account; and   causing at least a portion of the amount of funds to be transferred from the source account to the destination account via a transfer network.   
     
     
         16 . The non-transitory machine readable medium of  claim 15 , wherein the transfer network comprises:
 at least one of a source transfer network, a destination transfer network, and a primary transfer network.   
     
     
         17 . The non-transitory machine readable medium of  claim 15 , wherein causing the amount of funds to be transferred comprises:
 causing a cash payment to be made to a seller associated with the seller computer at an agent location.   
     
     
         18 . The non-transitory machine readable medium of  claim 15 , the instructions further executable for at least:
 staging a transaction to receive funds from the source account.   
     
     
         19 . The non-transitory machine readable medium of  claim 15 , the instructions further executable for at least:
 staging a transaction to provide funds to the destination account.   
     
     
         20 . The non-transitory machine readable medium of  claim 15 , wherein:
 the invoice information further comprises a trigger condition, wherein the trigger condition comprises a requirement that a third party inform the server computer that a certain event has transpired; and   sending the invoice to the buyer occurs only after the trigger condition is satisfied.