The RTP use case for the presentment: business_to_business, account_to_account, bill_pay, down_payment, security_deposit, final_payment, or down_or_final_payment.
A business_to_business use case must must have a business purpose for both the RfP sender and RfP receiver. A business purpose is a purpose that is not related to any personal, family, or household matter. Hence, so long as an RFP is not related to any personal, family, or household matter for the RfP sender or RfP receiver, the RfP sender and/or RfP receiver can be an unincorporated business or sole proprietor. For the avoidance of doubt, the purchase of goods or services for a personal, family, or household purpose is not a business purpose even if the goods or services are sold by a business.
An account_to_account use case is where a payment sent in response to the RFP results in a transfer between asset accounts that are both owned by the same person.
A bill_pay use case is seeking payment for a recurring consumer service or financial obligation or seeking payment for a non-recurring consumer service that is performed and paid for at a consumer home, such as lawn care, house cleaning, or repairs. For purposes of interpretation recurring means that payment is owed on at least a quarterly basis and that the service or financial obligation is expected to continue on an ongoing and predetermined basis for at least a year.
A down_payment use case is an initial payment owed for a financial obligation that will involve multiple payments such as rent, an installment loan, or a mortgage.
A security_deposit use case is an initial deposit at the time of opening a new deposit account or a deposit amount owed for a financial obligation that will involve multiple payments such as rent, an installment loan, or a mortgage.
A final_payment use case is a payment that fully pays the outstanding balance or amount owed for a financial obligation that involved multiple payments such as rent, an installment loan, or a mortgage.
A down_or_final_payment use case is a payment that either an initial payment owed for a financial obligation that will involve multiple payments or fully pays the outstanding balance or amount owed for a financial obligation that involved multiple payments such as rent, an installment loan, or a mortgage.
business_to_business account_to_account bill_pay down_payment security_deposit final_payment down_or_final_payment
