Abstract: A system and/or method which offers customer-driven aggregation of data, with the ability to dynamically modify the filing hierarchy and to store, create and organize digital financial information. The system enables customers to establish a hierarchy of file folders, file any payment whether paper or electronic in a folder for future reference, provide secure storage for an indefinite period for any payment, including credit card payments, debit card transactions, imaged checks, electronic bill payments or account statements. As such, customers can create and change at will their file folder hierarchy and file documents with notes. Customers can set a preference for automatic filing based on pre-established criteria such as folders based standard merchant categories or by month. Customers can also ‘file’ payments when they are created or viewed in the transaction history.

Abstract: A real-time point of transaction funds confirmation system is provided whereby a draft is presented by a payor to a payee and a bank identifier and an account identifier are electronically read off the draft and used as part of a funds confirmation request. The funds confirmation request is submitted to a network where a plurality of payees and a plurality of payor banks are connected. The payor bank identified on the draft verifies the account identifier and compares the amount of the transaction to an amount of funds available in the account corresponding to the account identifier. The payor bank processor then returns a response message indicating whether or not sufficient funds were available. If the request is a funds guarantee request, then the payor bank will generally place a halt on funds sufficient to cover the draft. Otherwise, if the request is merely a funds verification request, the payor bank may choose not to place a hold on the funds.