Patent ID: 8583515
Filing Date: 2013-11-12
Classification: G06Q

Abstract:
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: a computer being associated with a first financial institution and an electronic communications network defining a first financial institution computer, the first financial institution computer further adapted to communicate with a plurality of second computers associated with a plurality of second financial institutions defining a plurality of second financial institution computers and adapted to receive a plurality of automated clearing house (ACH) files from a plurality of third computers associated with a plurality of depository institutions defining a plurality of depository institution computers; and non-transitory computer memory encoded with computer program operable on the first financial institution computer to perform a process of associating a plurality of customer user accounts at the plurality of second financial institutions with the plurality of ACH files and a process 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 first financial institution computer cause the first financial computer to perform the operations of