Late binding asset funding datastructure and router apparatuses, processes and systems

1 . A fund-later-delegate router apparatus, comprising:

at least one memory;

a component collection stored in the at least one memory;

any of at least one processor disposed in communication with the at least one memory, the at least one processor executing processor-executable instructions from the component collection, storage of the component collection structured with processor-executable instructions comprising:

import a variable multi-type payment datastructure,

in which the variable multi-type payment datastructure is structured as including any of: a print check image, a virtual payment card, a direct deposit;

create a variable multi-type payment datastructure record,

in which the variable multi-type payment datastructure record is created using a dedicated fund-later-delegate variable account,

in which the dedicated fund-later-delegate variable account structured as any of: a dedicated fund-later-delegate check disbursement account, a dedicated fund-later-delegate card account, dedicated fund-later-delegate ACH disbursement account;

provide a payment type information datastructure to a target facilitator,

in which the payment type information datastructure is any of: a positive payment information datastructure, fulfillment file card datastructure, a ACH instruction datastructure,

in which the ACH instruction includes instructions debiting dedicated fund-later-delegate ACH disbursement account and credit a member account;

in which the target facilitator is any of: a bank check clearance server, a card processor server, a ACH bank server;

obtain funding information datastructure from target facilitator;

provide credit back to variable multi-type payment datastructure record based on the obtained funding information datastructure.

2 . The apparatus of claim 1 , in which the target facilitator initiates card authorization and settlement for the dedicated fund-later-delegate variable account when it includes the dedicated fund-later-delegate card account.

3 . The apparatus of claim 1 , in which the fulfillment file card datastructure is populated with completion files obtained from an EML, and further comprising:

providing payment via any of: downloading, faxing, printing.

4 . A fund-later-delegate router processor-readable, non-transient medium, the medium storing a component collection, storage the component collection structured with processor-executable instructions comprising:

import a variable multi-type payment datastructure,

in which the variable multi-type payment datastructure is structured as including any of: a print check image, a virtual payment card, a direct deposit;

create a variable multi-type payment datastructure record,

in which the variable multi-type payment datastructure record is created using a dedicated fund-later-delegate variable account,

in which the dedicated fund-later-delegate variable account structured as any of: a dedicated fund-later-delegate check disbursement account, a dedicated fund-later-delegate card account, dedicated fund-later-delegate ACH disbursement account;

provide a payment type information datastructure to a target facilitator,

in which the payment type information datastructure is any of: a positive payment information datastructure, fulfillment file card datastructure, a ACH instruction datastructure,

in which the ACH instruction includes instructions debiting dedicated fund-later-delegate ACH disbursement account and credit a member account;

in which the target facilitator is any of: a bank check clearance server, a card processor server, a ACH bank server;

obtain funding information datastructure from target facilitator;

provide credit back to variable multi-type payment datastructure record based on the obtained funding information datastructure.

5 . The medium of claim 4 , in which the target facilitator initiates card authorization and settlement for the dedicated fund-later-delegate variable account when it includes the dedicated fund-later-delegate card account.

6 . The medium of claim 4 , in which the fulfillment file card datastructure is populated with completion files obtained from an EML, and further comprising:

providing payment via any of: downloading, faxing, printing.

7 . A fund-later-delegate router processor-implemented system, comprising:

means to store a component collection;

means to process processor-executable instructions from the component collection, storage of the component collection structured with processor-executable instructions comprising:

import a variable multi-type payment datastructure,

in which the variable multi-type payment datastructure is structured as including any of: a print check image, a virtual payment card, a direct deposit;

create a variable multi-type payment datastructure record,

in which the variable multi-type payment datastructure record is created using a dedicated fund-later-delegate variable account,

in which the dedicated fund-later-delegate variable account structured as any of: a dedicated fund-later-delegate check disbursement account, a dedicated fund-later-delegate card account, dedicated fund-later-delegate ACH disbursement account;

provide a payment type information datastructure to a target facilitator,

in which the payment type information datastructure is any of: a positive payment information datastructure, fulfillment file card datastructure, a ACH instruction datastructure,

in which the ACH instruction includes instructions debiting dedicated fund-later-delegate ACH disbursement account and credit a member account;

in which the target facilitator is any of: a bank check clearance server, a card processor server, a ACH bank server;

obtain funding information datastructure from target facilitator;

provide credit back to variable multi-type payment datastructure record based on the obtained funding information datastructure.

8 . The system of claim 7 , in which the target facilitator initiates card authorization and settlement for the dedicated fund-later-delegate variable account when it includes the dedicated fund-later-delegate card account.

9 . The system of claim 7 , in which the fulfillment file card datastructure is populated with completion files obtained from an EML, and further comprising:

providing payment via any of: downloading, faxing, printing.

10 . A fund-later-delegate router process, including processing processor-executable instructions via any of at least one processor from a component collection stored in at least one memory, storage of the component collection structured with processor-executable instructions comprising:

import a variable multi-type payment datastructure,

in which the variable multi-type payment datastructure is structured as including any of: a print check image, a virtual payment card, a direct deposit;

create a variable multi-type payment datastructure record,

in which the variable multi-type payment datastructure record is created using a dedicated fund-later-delegate variable account,

in which the dedicated fund-later-delegate variable account structured as any of: a dedicated fund-later-delegate check disbursement account, a dedicated fund-later-delegate card account, dedicated fund-later-delegate ACH disbursement account;

provide a payment type information datastructure to a target facilitator,

in which the payment type information datastructure is any of: a positive payment information datastructure, fulfillment file card datastructure, a ACH instruction datastructure,

in which the ACH instruction includes instructions debiting dedicated fund-later-delegate ACH disbursement account and credit a member account;

in which the target facilitator is any of: a bank check clearance server, a card processor server, a ACH bank server;

obtain funding information datastructure from target facilitator;

provide credit back to variable multi-type payment datastructure record based on the obtained funding information datastructure.

11 . The process of claim 10 , in which the target facilitator initiates card authorization and settlement for the dedicated fund-later-delegate variable account when it includes the dedicated fund-later-delegate card account.

12 . The process of claim 10 , in which the fulfillment file card datastructure is populated with completion files obtained from an EML, and further comprising:

providing payment via any of: downloading, faxing, printing.