Transfer account systems, computer program products, and computer-implemented methods to prioritize payments from preselected bank account
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United States of America Patent
Stats
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Jul 22, 2014
Grant Date -
Jun 25, 2009
app pub date -
Dec 18, 2008
filing date -
Dec 21, 2007
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A financial institution computer maintains one or more lists of account identifiers for accounts enrolled in a prioritized payment program and receives an automatic deposit associated with an account identifier for a first account enrolled in the prioritized payment program. The prioritized payment program includes pre-authorization of certain payment requests by select creditors. The financial institution computer generates prioritized payments from the first account to select creditors, responsive to one or more unfilled pre-authorized payment requests by the select creditors and then generates a sweep payment from the first account to an associated second account at a second financial institution, responsive to the incoming automatic deposit. A value for the sweep payment is a value of the automatic deposit minus a value of the one or more prioritized payments. The second account can be, for example, a demand deposit account or a prepaid card account.
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