Abstract: Systems and processes for real-time instant funding solutions for miscellaneous income are disclosed. The method of funding miscellaneous income includes securely transmitting a funding information file or a real time funding transaction request with miscellaneous funding information to a funding card processing system using real-time web services APIs which are externally accessible by an external computing system, e.g., point of sale, time and labor or payroll system. The method further includes processing the funding information file with the funding card processing system, which includes at least identifying client information and a user receiving miscellaneous income contained within the miscellaneous funding information. The method further includes funding a payroll card of the identified user with the miscellaneous income received with the miscellaneous funding information of the funding information file.

Abstract: Systems and methods for distributed request routing in accordance with embodiments of the invention are disclosed.

Abstract: Systems and methods for transaction routing in accordance with embodiments of the invention are disclosed. In one embodiment, a method for routing transactions includes obtaining transaction data using an account servicing server system, where the transaction data includes metadata identifying a consumer account and the account servicing server system includes a processor and a memory connected to the processor, identifying routing rule data based on the transaction data using the account servicing server system, generating transaction request data based on the routing rule data and the transaction data using the account servicing server system, where the transaction request data includes at least one routing number and one account number identifying a financial account, and providing the transaction request data to at least one financial institution system using the account servicing server system, where the at least one financial institution system services the identified financial account.

Abstract: Systems and methods for dynamic account routing in accordance with embodiments of the invention are disclosed. In one embodiment, a method for dynamic account routing includes obtaining requested transaction data using an account servicing server system where the requested transaction data identifies a consumer account and includes transaction amount data, identifying a set of routing rules based on the identified consumer account using the account servicing server system, requesting funds from at least one funding source system based on the set of routing rules using the account servicing system, where the requested funds are based on the transaction amount data, obtaining authorization data for the requested funds from the at least one funding source system using the account servicing server system, generating transaction authorization data based on the obtained authorization data and the requested transaction data using the account servicing server system, and providing the transaction authorization data.

Abstract: Systems and processes for real-time instant funding solutions for miscellaneous income are disclosed. The method of funding miscellaneous income includes securely transmitting a funding information file or a real time funding transaction request with miscellaneous funding information to a funding card processing system using real-time web services APIs which are externally accessible by an external computing system, e.g., point of sale, time and labor or payroll system. The method further includes processing the funding information file with the funding card processing system, which includes at least identifying client information and a user receiving miscellaneous income contained within the miscellaneous funding information. The method further includes funding a payroll card of the identified user with the miscellaneous income received with the miscellaneous funding information of the funding information file.