Abstract: According to the invention, a method for funding an account with an online money transfer system using a wide area network, where the account cannot be used for purchases outside a closed purchasing community, is disclosed. In one step, information about a money handler is accepted at the online money transfer system and over the wide area network. The information includes an amount of funds, a bank routing number, a bank account number and a unique identifier. The unique identifier discriminates a buyer from other buyers in the closed purchasing community. The amount of funds is drawn with the money handler from a bank account indicated by the routing number and the bank account number. Funds are transferred to the account for benefit of the buyer indicated by the unique identifier. The funds cannot be used outside the closed purchasing community while in the account.

Abstract: According to the invention, a method for funding an account with an online money transfer system using a wide area network, where the account cannot be used for purchases outside a closed purchasing community, is disclosed. In one step, information about a money handler is accepted at the online money transfer system and over the wide area network. The information includes an amount of funds, a bank routing number,a bank account number and a unique identifier. The unique identifier discriminates a buyer from other buyers in the closed purchasing community. The amount of funds is drawn with the money handler from a bank account indicated by the routing number and the bank account number. Funds are transferred to the account for benefit of the buyer indicated by the unique identifier. The funds cannot be used outside the closed purchasing community while in the account.

Abstract: A method for electronically transferring an amount of money from an initiator to a receiver is disclosed. The amount is enhanced or matched by a matching party. In one step, transfer information is received from the initiator. The transfer information includes at least two of a third party identifier, a second party identifier and the amount. The transfer information is analyzed. An enhancing amount to transfer from the matching party to the receiver is determined. Money is transferred to the receiver that corresponds to the amount and the enhancing amount.

Abstract: A method of processing negotiable instruments includes receiving a message at a host computer system of an entity that processes negotiable instruments from a client computer of an entity that issues negotiable instruments. The message comprises a request to receive a list of negotiable instruments paid by the processor and issued by the issuer. The method also includes transmitting a file from the host computer system to the client computer. The file includes the list at least one selection arrangement for at least one item in the list. The at least one selection arrangement is programmed to receive information from the issuer relating to issue information for the at least one item. The method also includes receiving at the host computer system issue information relating to one of the items in response to a selection using one of the at least one selection arrangements.

Abstract: According to the invention, a method for funding an account with an online money transfer system using a wide area network, where the account cannot be used for purchases outside a closed purchasing community, is disclosed. In one step, information about a money handler is accepted at the online money transfer system and over the wide area network. The information includes an amount of funds, a bank routing number, a bank account number and a unique identifier. The unique identifier discriminates a buyer from other buyers in the closed purchasing community. The amount of funds is drawn with the money handler from a bank account indicated by the routing number and the bank account number. Funds are transferred to the account for benefit of the buyer indicated by the unique identifier. The funds cannot be used outside the closed purchasing community while in the account.

Abstract: According to the invention, a method for a method for electronically transferring an amount of money from an initiator to a receiver is disclosed. The amount is enhanced or matched by a matching party. In one step, transfer information is received from the initiator. The transfer information includes at least two of a third party identifier, a second party identifier and the amount. The transfer information is analyzed. An enhancing amount to transfer from the matching party to the receiver is determined. Money is transferred to the receiver that corresponds to the amount and the enhancing amount.