Patent ID: 8606692

Claim:
A method, comprising: receiving, from a user of an online web portal, a request associated with a financial transaction; determining, by one or more processors, a class of the user; selecting, by at least one of the one or more processors, based on the class of the user, a first loan system communicatively coupled to a network and a second loan system communicatively coupled to the network from a plurality of loan systems communicatively coupled to the network responsive to the request; determining, by at least one of the one or more processors, that the request is for a payment to a loan obligation associated with one or more of the first loan system and the second loan system; determining, by at least one of the one or more processors, that the request is subject to a pre-payment penalty; receiving a designation of a deposit account as the source of the payment from the user; determining, by at least one of the one or more processors, that the request fails criteria associated with at least one from the set comprising the first loan system and the second loan system and cannot be granted by the one or more processors; in response to determining that the request fails the criteria and cannot be granted by the one or more processors: communicating, through the web portal, an initiation response to the user, the initiation response indicating that processing of the request has been initiated without indicating to the user that the request failed the criteria and cannot be granted by the one or more processors; and communicating the request to an administrator associated with the class of the user; receiving, from the administrator, authorization to grant the request; and applying, by at least one of the one or more processors, the payment and the pre-payment penalty to the loan obligation and to the deposit account upon receiving the authorization from the administrator, wherein the request is communicated to the administrator based at least in part on an association of the administrator with pre-payment penalty requests.