CUSTOMER-SELECTED PAYMENT CLEARINGHOUSE
First Claim
1. A method for a customer-selected payment account clearinghouse, the method comprising:
- receiving, at a computing device, notification of a financial transaction associated with a customer;
receiving, at a computing device, a payment account selection from the customer that is configured to direct payment of the financial transaction from one or more selected payment accounts, wherein the payment account selection is received within a payment account selection time period commencing after occurrence of the financial transaction; and
processing, via a computing device processor, payment of the financial transaction in accordance with the payment account selection.
1 Assignment
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Accused Products
Abstract
Embodiments of the invention relate to systems, methods, and computer program products that provide for a customer-selected payment clearinghouse that allows financial institution customers to select which account or accounts to assign/re-assign to a particular payment transaction, concurrent with the transaction or for a predetermined period of time after the transaction has occurred. As such, the present invention allows the customer to assess payment account alternatives after the transaction has occurred and to make informed payment account decisions after the transaction has occurred. In addition, the present invention allows the customer to readily distribute payment across more that one payment account. In specific embodiments of the invention, the financial institution may provide optimal payment account recommendations that maximize one or more customer payment concerns.
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Citations
47 Claims
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1. A method for a customer-selected payment account clearinghouse, the method comprising:
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receiving, at a computing device, notification of a financial transaction associated with a customer; receiving, at a computing device, a payment account selection from the customer that is configured to direct payment of the financial transaction from one or more selected payment accounts, wherein the payment account selection is received within a payment account selection time period commencing after occurrence of the financial transaction; and processing, via a computing device processor, payment of the financial transaction in accordance with the payment account selection. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16)
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17. An apparatus configured for customer-selected payment clearinghouse processing, the apparatus comprising:
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a computing platform including at least one processor and a memory; and a customer-selected payment clearinghouse application stored in the memory and executable by the at least one processor, wherein the application includes, a payment selection routine that is configured to receive, from a customer, within a payment account selection time period, a payment account selection associated with a previously occurred financial transaction and configured to direct payment of the financial transaction from one or more selected payment accounts. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31)
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32. A computer program product comprising:
a non-transitory computer-readable medium comprising; a first set of codes for causing a computer to receive notification of a financial transaction associated with a customer; a second set of codes for causing a computer to receive, from the customer within a payment account selection time period commencing after occurrence of the financial transaction, a payment account selection configured to direct payment of the financial transaction from one or more selected payment accounts; and a third set of codes for causing a computer to process payment of the financial transaction in accordance with the payment account selection. - View Dependent Claims (33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47)
Specification