Abstract: A system, method, apparatus, means, and computer program code for facilitating payment from an account. According to some embodiments of the present invention, a party or device may receive information indicative of a first account (e.g., a checking account) associated with an account holder. The party or device may then determine if the account holder has used the first account in the past (or within a designated time period) to make a payment to another account, another payee, etc. The party or device may then facilitate the actual monetary transaction or provide information regarding the scheduled payment to another party or entity that may facilitate the actual monetary transaction.

Abstract: Embodiments of the present invention provide a system, method, apparatus, means, and computer program code for distributing security information used to access a resource and for facilitating secure access to a resource. A method for facilitating security for access to a resource may include providing a first code to an individual at an address of record associated with the user, wherein the user is associated with an account; providing a second code to the first individual via a first statement for the account; and requiring the first individual to provide the first code and the second code when the first individual attempts to access a resource associated with the account.