Patent ID: 8364585

Claim:
A method comprising: enabling access to a database that includes a plurality of routing or transit numbers to be used by a relationship bank system for same-day settlement; receiving a financial transaction at least one computing device associated with the relationship bank system, wherein the relationship bank system is associated with a first routing number; and transferring funds associated with the financial transaction into an account associated with an originator of the financial transaction to settle the financial transaction on the same day that the financial transaction is originated, wherein the account associated with the originator of the financial transaction is associated with a second routing number, wherein the first and second routing numbers are owned by different financial institutions, wherein the transferring funds occurs within the at least one computing device associated with the relationship bank system, and wherein the financial transaction is one of a plurality of financial transactions and the financial transaction is identified as being eligible for same-day settlement by using a computer processor to access the database and confirm that the second routing number is to be used by the relationship bank system for same-day settlement.