Systems and methods for performing payment transactions using messaging service

1. A method of operating a mobile device to transmit a payment to a recipient, the mobile device operated by a sender of the payment, the method comprising:

selecting, by a sender using a sender mobile device, a payment application for operation on the mobile device;

selecting, by the sender using the sender mobile device running the payment application, a payment card account to fund a payment to a recipient;

selecting, by the sender using the sender mobile device running the payment application, the recipient;

authenticating, by the sender mobile device running the payment application, the sender to the payment application;

querying, by the sender mobile device, a network directory by running a wallet application to look for the recipient's account information;

receiving, by the sender mobile device, an indication that the recipient's account information is not in the network directory;

generating, by the sender mobile device, a transaction specific URL (uniform resource locator), by running the wallet application, the transaction specific URL pointing to a web location maintained by a payment facilitation system;

generating, by the sender mobile device running the payment application, a message to the recipient, the message including the transaction specific URL;

transmitting, by the sender mobile device, the message to a mobile device of the recipient;

receiving, by the sender mobile device running the wallet application from the payment facilitation system, a token representing a payment card account of the recipient, said token generated by the payment facilitation system in response to access to the web location by a mobile device of the recipient; and

transmitting, by the sender mobile device running the wallet application to an issuer of the payment card account of the sender, a push payment transaction request including the token, the push payment transaction request for benefit of the recipient.

2. The method of claim 1 , wherein the message to the recipient is in an RCS (rich communication service) format.

3. The method of claim 1 , wherein the mobile device stores a mobile phone number that corresponds to the recipient.

4. The method of claim 3 , wherein the message to the recipient is addressed to said mobile phone number.

5. The method of claim 1 , wherein the mobile device is the sender's mobile phone.

6. The method of claim 1 , wherein the network directory is associated with the payment network.

7. The method of claim 6 , wherein the message to the recipient is an SMS (short messaging service) message.

8. A method of operating a server computer to transmit a disbursement payment to a recipient, the server computer operated by a sender of the disbursement payment, the method comprising:

selecting, by a server computer, a recipient;

querying, by the server computer, a network directory to look for the recipient's account information;

receiving, by the server computer, an indication that the recipient's account information is not in the network directory;

generating, by the server computer, a transaction specific URL (uniform resource locator), the transaction specific URL pointing to a web location maintained by a payment facilitation system;

generating, by the server computer, a message, the message including the transaction specific URL;

transmitting, by the server computer, the message to a mobile device of the recipient, the message addressed to the recipient's mobile phone number;

receiving, by the server computer from the payment facilitation system, a token representing a payment card account of the recipient, said token generated by the payment facilitation system in response to access to the web location by the recipient; and

transmitting, by the server computer to an issuer of a payment card account of the sender, a push payment transaction request including the token, the push payment transaction request for benefit of the recipient.

9. The method of claim 8 , wherein the message is in an RCS (rich communication service) format.

10. The method of claim 8 , wherein the message is an SMS (short messaging service) message.

11. The method of claim 8 , wherein the network directory is associated with the payment network.

12. The method of claim 8 , wherein the server computer stores the recipient's mobile phone number.