PAYMENT SYSTEM AND CLEARINGHOUSE OF INTERNET TRANSACTIONS

1 . A method for allowing a customer to send payment to a merchant, comprising:

submitting order data from a customer computer to a merchant server;

sending merchant credentials and order data to a clearinghouse server;

sending a clearinghouse token URL to the merchant server;

redirecting a customer's web browser to a clearinghouse gateway using the token URL:

sending a financial institution token URL to the customer computer:

redirecting a customer's web browser to a financial institution gateway using the financial institution token URL;

sending the financial institution the financial institution token UR sending the financial institution token to the clearinghouse server to validate the financial institution token URL; and

sending a payment request to the financial institution to authorize the financial institution to authorize payment to the merchant.

2 . The method of claim 1 comprising sending a selected currency type and financial institution to the clearinghouse server.

3 . The method of claim 1 comprising:

requesting the clearinghouse token URL and the financial institution token URL from a clearinghouse PATXI system;

generating the clearinghouse token URL and the financial institution token URL; and

sending the clearinghouse token URL and the financial token URI, to the clearinghouse server.

4 . The method of claim 1 comprising sending, from the clearinghouse server, payment information to the financial institution.

5 . The method of claim 1 comprising:

sending the financial institution login information; and

displaying an account web page.

6 . The method of claim 1 comprising:

validating the financial institution token URL at the clearinghouse server;

sending payment confirmation to the clearinghouse from the financial institution;

sending payment confirmation to the computer from the financial institution;

sending a notification from the clearinghouse server to the merchant server that the clearinghouse server has received payment.

7 . A system for allowing a customer to send payment to a merchant, the system comprising a plurality of modules and a plurality of computers each comprising tangible computer readable storage media and a processor configured to execute at least one of the plurality of the modules; the plurality of modules comprising:

a customer order submission module configured to submit order data from a customer computer to a merchant server;

a merchant order submission module configured to send merchant credentials and order data to a clearinghouse server;

a clearinghouse token module configured to send a clearinghouse token URL to the merchant server;

a clearinghouse redirection module configured to redirect a customer's web browser to a clearinghouse gateway using the token URL;

a financial institution token module configured to send a financial institution token URL to the customer computer;

a financial institution redirection module configured to redirect a customer's web browser to a financial institution gateway using the token URL;

a customer token module configured to send a financial institution token URL to the financial institution;

a financial institution token module configured to send the financial institution token to the clearinghouse server to validate the financial institution token URI.; and

a payment authorizer configured to send a payment request to the financial institution to authorize the financial institution to authorize payment to the merchant.

8 . The system of claim 7 comprising:

a currency selector configured to:

allow a customer to select a form of currency; and

send a selected currency type to the clearinghouse server;

a financial institution selector configured to:

allow a customer to select a financial institution; and

send a selected financial institution to the clearinghouse server.

9 . The system of claim 7 comprising a token processor configured to:

generate a clearinghouse token URL and a financial institution token URL using a clearinghouse PATXI system; and

send the clearinghouse token URL and the financial institution token URL to the customer computer.

10 . The system of claim 7 comprising a payment information module configured to send, from the clearinghouse server, payment information to the financial institution.

11 . The system of claim 7 comprising a login module configured to send the financial institution login information to the financial institution from the customer computer.

12 . The system of claim 7 comprising a validation module configured to validate the financial institution token URL at the clearinghouse server.

13 . The system of claim 7 comprising a payment notification module configured to:

send payment confirmation to the clearinghouse from the financial institution; and

send payment confirmation to the computer from the financial institution.

14 . The system of claim 7 comprising a merchant notifier configured to send payment confirmation to the merchant server.

15 . A system for allowing a customer to pay a merchant comprising:

a customer computer comprising a processor and tangible computer readable storage media, the storage media comprising customer computer instructions executable by the processor for causing the computer to:

submit order data;

access a clearinghouse gateway using a clearinghouse token URL;

send a financial institution token URL to a financial institution; and

send a payment request;

a merchant server comprising a processor and tangible computer readable storage media, the storage media comprising merchant server instructions executable by the processor for causing the server to:

send merchant credentials and order information to a clearinghouse server;

receive a clearinghouse token URL;

redirect a customer's browser to a clearinghouse gateway using the clearinghouse token URL;

the clearinghouse server comprising a processor and tangible computer readable storage media, the storage media comprising clearinghouse server instructions executable by the processor for causing the server to:

send the clearinghouse token URL and the financial institution token URL;

redirect the customer's browser to a financial institution gateway using the clearinghouse token URL;

receive the financial institution token URL from the financial institution;

validate that the financial institution token URL received by the clearinghouse is the same as the financial institution token sent by the clearinghouse server;

send payment information to the financial institution;

receive payment notification from the financial institution;

send payment notification to the customer computer; and

send payment notification to the merchant server; and

the financial institution comprising a processor and tangible computer readable storage media, the storage media comprising financial institution instructions executable by the processor for causing the financial institution to:

receive the financial institution token URL from the customer computer;

send the financial institution token URL to the clearinghouse server;

receive payment information from the clearinghouse server;

receive a payment authorization from the customer computer; and

send payment notification to clearinghouse server and customer computer.

16 . The system of claim 15 wherein the consumer computer instructions cause the computer to send a selected currency type and financial institution to the clearinghouse server.

17 . The system of claim 15 wherein the clearinghouse server instructions cause the server to generate the clearinghouse token URL and the financial institution token URL.

18 . The system of claim 15 wherein the clearinghouse server instructions cause the server to send, from the clearinghouse server, payment information to the financial institution.

19 . A system of tangible computer readable storage media comprising:

customer computer readable media for a customer computer comprising a processor, the media comprising customer computer instructions executable by the processor for causing the computer to:

submit order data;

access a clearinghouse gateway using a token URL;

send a financial institution token URL to a financial institution; and

send a payment request;

merchant server computer readable media for a merchant server comprising a processor, the media comprising merchant server instructions executable by the processor for causing the server to:

send merchant credentials and order information to a clearinghouse server;

receive a clearinghouse token URL;

redirect a customer's browser to a clearinghouse gateway using the clearinghouse token URL;

clearinghouse server computer readable media for the clearinghouse server, the clearinghouse comprising a processor, the media comprising clearinghouse server instructions executable by the processor for causing the server to:

send the clearinghouse token URL and the financial institution token URL;

redirect the customer's browser to a financial institution gateway using the clearinghouse token URL;

receive the financial institution token URL from the financial institution;

validate that the financial institution token URL received by the clearinghouse server is the same as the financial institution token sent by the clearinghouse server;

send payment information to the financial institution;

receive payment notification from the financial institution;

send payment notification to the customer computer; and

send payment notification to the merchant server;

financial institution computer readable media for the financial institution, the financial institution comprising a processor, the media comprising financial institution instructions executable by the processor for causing the computer to:

receive the financial institution token URL from the customer computer;

send the financial institution token URL to the clearinghouse server;

receive payment information from the clearinghouse server;

receive a payment authorization from the customer computer; and send payment notification to clearinghouse server and customer computer.

20 . The system of claim 19 wherein the consumer computer instructions comprises sending a selected currency type and financial institution to the clearinghouse server.

21 . The system of claim 19 wherein the clearinghouse server instructions comprise generating the clearinghouse token URL and the financial institution token URL.

22 . The system of claim 19 wherein the clearinghouse server comprises sending, from the clearinghouse server, payment information to the financial institution.