Abstract: A data processing control comprising an outgoing payment request control object having 1) user-selectable data records, each user-selectable data record having one or more associated fields, 2) graphical attributes to allow the user-selectable data records to be displayed, and 3) functional attributes to allow the user-selectable data records to be submitted for payment authorization by a third party. An incoming authorized payment control object having 1) authorized payment data records, each of the authorized payment data records having one or more associated fields, 2) graphical attributes to allow the authorized payment data records to be displayed, and 3) functional attributes to allow the authorized payment data records to be submitted for fund transfer in a single bundled payment transaction. The outgoing payment request control object and the incoming authorized payment control object are generated in a user interface for a healthcare services provider.

Abstract: A method of managing payments between a payor and a payee includes receiving by the payee a virtual prepaid card, wherein a predetermined amount of money is held by the virtual prepaid card as a payment to the payee. The method includes receiving by the payee a letter containing a uniform resource locator (URL) of a web page. The webpage is configured to create an online account responsive to transaction data from the payee. The transaction data includes verification information for verifying and associating the payee to the payor and includes the payee's bank account information. The payee can receive the payment via an electronic fund transfer or by processing the virtual prepaid card through a merchant terminal. The virtual prepaid card may be imprinted on the letter.

Abstract: A method of managing payments between a payor and a payee includes receiving by the payee a letter and a negotiable instrument made payable to the payee. The letter contains a uniform resource locator (URL) of a web page configured to create an online account responsive to transaction data from the payee. The transaction data includes verification information verifying and associating the payee to the payor and includes the payee's bank account information. The payee can receive the payment via an electronic fund transfer or by depositing the negotiable instrument at a financial institution. A payment system includes a negotiable instrument made payable to the payee and a letter containing a URL of a web page configured to create an online account responsive to verification information verifying and associating the payee to a payor and responsive to the payee's bank account information.

Abstract: A method for processing transactions comprising receiving transaction data. Electronically determining whether to process the transaction data as a pre-paid transaction or a closed loop transaction using data processing equipment. Processing the transaction using pre-paid network rules if it is determined that the transaction data defines the pre-paid transaction. Processing the transaction using closed loop transaction rules if it is determined that the transaction data defines the closed loop transaction. Scheduling payment as a function of whether the transaction data was processed as the pre-paid transaction or the closed transaction. Generating an explanation of benefits after the payment is scheduled.