DETAILED DESCRIPTION Network infrastructure [0078]FIG. 1 depicts a communications network 100, which can be a private or public network such as a wide area network (WAN), the Internet or some other type of communication network for linking biller stations 110 a-110 d, payor stations 120 a-120 d, financial institution (FI) stations 130 a-130 c and a centralized CF station 140.