Patent ID: 7778903

Claim:
A method for transferring funds from a payor to one or more payees using a wide-area computer network, wherein transfer information is incomplete at some point, the method comprising: receiving, at a payment enabler computer system having at least one controller, initial transfer information for a transfer of funds from a payor to a payee, wherein the initial transfer information for the transfer of funds from the payor to the payee comprises: a transfer amount, wherein the transfer amount comprises a quantity of funds to be transferred from the payor to the payee in the transfer of funds from the payor to the payee, a payee identifier, wherein the payee identifier designates the payee in the transfer of funds from the payor to the payee, a source handler, wherein the source handler comprises a first method of payment of the payor for the transfer of funds from the payor, and a test question; using the payment enabler computer system, providing a notification of the transfer of funds from the payor to the payee, wherein the notification comprises the payee identifier; waiting up to a predetermined period of time to receive supplemental transfer information for the transfer of funds from the payor to the payee, wherein: the supplemental transfer information for the transfer of funds from the payor to the payee comprises a target handler, the target handler comprises a second method of payment to the payee for the transfer of funds from the payor to the payee, and the second method of payment to the payee for the transfer of funds from the payor to the payee is chosen by the payee; receiving, at the payment enabler computer system, from the payee, the supplemental transfer information for the transfer of funds, wherein the second method of payment to the payee is unknown to the payment enabler computer system prior to receiving the supplemental transfer information; receiving, at the payment enabler computer system, from the payee, the answer to the test question received from the payor, wherein the answer is received prior to completing the transfer of funds from the payor to the payee; and using the payment enabler computer system, completing the transfer of funds from the payor to the payee using both the initial transfer information for the transfer of funds from the payor to the payee and the supplemental transfer information for the transfer of funds from the payor to the payee after the waiting step is complete.