Patent ID: 8131643

Claim:
An automated business process computer system for transferring money funds comprising: a computer system which receives, processes and transmits account information data in order to cause simultaneous money transfers from sending accounts with available funds adapted to being accessed by human senders, to receiving accounts adapted to being accessed by human recipients, wherein the computer system is adapted to being accessed by a communication medium device, wherein the computer system receives sending account information data, transfer authorization data and receiving account information data from the communication medium device, and receives, processes and transmits the data in automated modes with data receiving and transmission language through transmission lines and electronic mediums utilizing adapters when needed to transform the data received into a data language received into a data language required for processing, so that the computer system processes and causes money transfers from the sending accounts with the available funds to the receiving accounts without the necessity of a pre-established relationship between the sending account and the receiving account, and in which the computer system simultaneously repeats the computer system processes thereby causing additional transfers from different sending accounts having available funds to different receiving accounts causing simultaneous money transfers from the different sending accounts to the different receiving accounts.