Abstract: A system and method using a protocol exchange server providing bi-directional exchange of secure data protocol attributes between a first computer system and a second computer system, the method include at a protocol exchange server for bi-directional exchange of secure data protocol attributes between a first computer system and a second computer system, electronically storing a plurality of computer readable attribute records in a computer database for users associated with the first computer system and the second computer system.

Abstract: A system and method using a protocol exchange server providing bi-directional exchange of secure data protocol attributes between a first computer system and a second computer system, the method include at a protocol exchange server for bi-directional exchange of secure data protocol attributes between a first computer system and a second computer system, electronically storing a plurality of computer readable attribute records in a computer database for users associated with the first computer system and the second computer system.

Abstract: System, method, and computer program product are provided for a user to send and receive expedited P2P payments. In some embodiments, payment instructions may be sent from one financial institution to another financial institution, and based on those instructions and a “promise to pay”, the receiving FI posts the payment to the recipient's account within a short period of time, such as within minutes. Actual settlement of the payment may occur during the next settlement cycle or at some future time or cycle as agreed. This benefits the customer because the customer has the ability to send funds to a recipient in an expedited timeframe.

Abstract: System, method, and computer program product are provided for a user to send and receive P2P payments using a mobile device. Through the use of the mobile device, a user may access accounts the user has at a financial institution and direct payments to other individuals or entities using the other individuals or entities alias. Electronic document(s) may be communicated in conjunction with a payment and/or request for payment between financial institutions. For example, a sending financial institution may send a payment having a document or pointer to a document that provides an explanation of a payment or disbursement. The sender may send funds to a recipient along with a pointer or may simply send a pointer and upload a document that is stored at a location identified by the pointer. The document may be an invoice remittance, explanation of payment/reimbursement and/or explanation of benefits.

Abstract: Embodiments of the invention are directed to systems, methods and computer program products for enrolling in a direct deposit program. In some embodiments, a system is configured to: initiate the presentation of a first interface prompting a user to enter user credentials associated with the user's financial institution account for registration of the user's payroll information; retrieve information associated with the user's financial institution account based on a successful verification of the user credentials, wherein the information includes an account number and a transit routing number; initiate the presentation of a second interface, wherein the second interface is populated with the retrieved information; and complete the registration of the user's payroll information based on user confirmation of the retrieved information.

Abstract: A system or method may include steps of electronically maintaining a plurality of accounts for customers associated with a first financial entity and a second financial entity. Then electronically, receiving EDI data representative of a monetary fund amount, and an endorsement request associated with at least one account requiring multiple endorsements. Subsequently, electronically determining whether the endorsement request to the second financial entity is in accordance with a predetermined policy; and responsive to the endorsement request being approved, transmitting EDI data representative of the endorsement to the first financial entity.

Abstract: According to an embodiment, a payment is processed. It is determined that a user should receive a payment. A user identifier associated with the user is received. The user identifier allows the user to receive communications. The user identifier does not comprise information regarding any financial account of the user. Whether the user identifier is registered with an account server operable to maintain associations between user identifers and financial accounts is determined. The user is requested to register the user identifier with the account server if the user identifier is not registered with the account server. Transfer of the payment is facilitated by a selected one of a transfer to a financial account associated with the user identifier and issuance of the payment by an alternative mechanism according to whether the user identifier is registered with the account server.

Abstract: Embodiments of the invention provide for a virtual registry system that automatically attaches gift credit to a registry account of the gift recipient. The virtual registry system allows users to give gifts for specific purposes using aliases that eliminate the need for sharing of confidential, personal, or secure information. The use of aliases, which serve to tie an identifier, such as an event title, telephone number, or the like to a registry account, embodiments of the invention do not require that the gift provider know any information about the financial accounts of the intended gift recipient. By attaching the gift credit amount to the registry account, subsequent purchases made using the registry account, and of the type associated with the gift credit, (e.g., purchases for a specific item on the registry) are automatically settled by applying the gift credit amount to the purchase amount.