System and method for selectable funding of electronic transactions
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United States of America Patent
Stats
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Sep 21, 2010
Grant Date -
Jan 4, 2007
app pub date -
Sep 8, 2006
filing date -
Nov 6, 2000
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A system for transferring funds to pay bills and to and from selected accounts on an optimized is provided. A mediation engine may manage the payments made to selected payees, including by scheduling the payments and selecting sources for funds. A rules-based optimizer may automatically select the least-cost or other most efficient or desirable transaction, given the customer's available funds, types of funds and payment date. All payment providers and payees may manipulated using one seamless view. A customer service representative may also view the transfers.
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