A technique for making a payment for a payor is provided. The technique includes receiving a request to make a payment to a payee for a payor. This request is processed to select a mode to electronically credit the payee. After the mode is selected an electronic credit is directed to the payee in the...http://www.google.ca/patents/US20040049456?utm_source=gb-gplus-sharePatent US20040049456 - Payment processing with selective crediting
