CUSTOMER-SELECTED PAYMENT CLEARINGHOUSE
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United States of America Patent
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N/A
Issued Date -
Aug 4, 2011
app pub date -
Jan 25, 2011
filing date -
Jan 29, 2010
priority date (Note) -
Abandoned
status (Latency Note)
Importance
Abstract
Embodiments of the invention relate to systems, methods, and computer program products that provide for a customer-selected payment clearinghouse that allows financial institution customers to select which account or accounts to assign/re-assign to a particular payment transaction, concurrent with the transaction or for a predetermined period of time after the transaction has occurred. As such, the present invention allows the customer to assess payment account alternatives after the transaction has occurred and to make informed payment account decisions after the transaction has occurred. In addition, the present invention allows the customer to readily distribute payment across more that one payment account. In specific embodiments of the invention, the financial institution may provide optimal payment account recommendations that maximize one or more customer payment concerns.
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