Patent ID: 9251511
Filing Date: 2016-02-02
CPC Classification: G06Q

Claim Text:
1. A system to provide a plurality of prioritized payments directly from each of a plurality of automatic deposits prior to being made available to one or more destined recipients of each of the plurality of automatic deposits, the system comprising: one or more computers being associated with a first financial institution and an electronic communications network defining one or more first financial institution computers, the one or more first financial institution computers further being adapted to communicate with one or more second computers associated with one or more second financial institutions defining one or more second financial institution computers and adapted to receive a plurality of automated clearing house (ACH) files from one or more third computers associated with a plurality of depository institutions defining one or more depository institution computers; and non-transitory computer memory encoded with computer program operable on the one or more first financial institution computers to perform one or more processes of associating one or more customer user accounts at the one or more second financial institutions with the plurality of ACH files and one or more processes of providing a plurality of prioritized payments from the plurality of automatic deposits associated with the plurality of ACH files, computer program comprising a set of instructions that when executed by the one or more first financial institution computers cause the one or more first financial computers to perform the operations of: