Patent ID: 7398252

Claim:
A method for transferring credit from a sender to a plurality of recipients using an Internet, the method comprising: receiving at a server computer system information from a sender to transfer credit to a plurality of recipients, wherein: the information includes a plurality of credit amounts for the plurality of recipients wherein at least two of the plurality of credit amounts are different amounts, and a sum of a plurality of credit amounts is related to an aggregate credit amount; receiving a first choice of a first handler from a group of two or more different types of handlers, the first choice chosen by the sender by interaction with server computer system to select from the two or more different type of handlers; requesting credit transfer from the first handler; receiving at the server computer system the aggregate credit amount from the first handler; receiving two or more choices of two or more second handlers from a group of two or more handlers, the two or more second choices respectively chosen by the plurality of recipients by interaction with server computer system to select from a plurality of different types of handlers; and sending the plurality of credit amounts to the plurality of second handlers.