MANAGING MONEY MOVEMENT METHODS INVOLVING A PAYMENT SERVICE SYSTEM

摘要

A method to send a payment to satisfy an obligation. The method includes receiving, by a payment service, a target time request to complete the payment, wherein the target time request comprises a first target time for completing at least a first portion of the payment, comparing, in response to receiving the target time request, a current time and the first target time to determine a first available payment processing time, selecting a first electronic funds transfer (EFT) network from a plurality of EFT networks based on matching the first available payment processing time to a first estimated payment processing time of the first EFT network, and initiating, in response to selecting the first EFT network, processing of the first portion of the payment using the first EFT network.

主权项

1. A method to send a payment to satisfy an obligation, comprising:
receiving, by a payment service, a target time request to complete the payment, wherein the target time request comprises a first target time for completing at least a first portion of the payment; comparing, in response to receiving the target time request, a current time and the first target time to determine a first available payment processing time; selecting a first electronic funds transfer (EFT) network from a plurality of EFT networks based on matching the first available payment processing time to a first estimated payment processing time of the first EFT network; and initiating, in response to selecting the first EFT network, processing of the first portion of the payment using the first EFT network.