System and Method for Funds Transfer Processing

1 . A method of processing a funds transfer transaction, comprising:

receiving, by one or more processors of an adaptive payment server, first identification information, second identification information, and a request for a fund transfer;

determining an account associated with the first identification information;

authenticating identification of the account based on the second identification information; and

initiating a transfer of a fund amount associated with the requested fund transfer into the identified account, wherein the fund amount is transferred substantially immediately after the identified account has been authenticated.

2 . The method of claim 1 , wherein the first identification information includes a debit card number.

3 . The method of claim 1 , wherein the second identification information includes a Personal Identification Number (PIN).

4 . The method of claim 1 , further comprising:

identifying a communication device based on the first identification information; and

initiating a communication to the communication device, wherein the second identification information is received from the communication device.

5 . The method of claim 4 , wherein the communication device includes a telephone function, and wherein the communication device is identified by a telephone number, and wherein the telephone number is determined based on the first identification information.

6 . The method of claim 4 , wherein said initiating a communication further comprises:

calling, by an interactive voice response (IVR) system associated with the adaptive payment server, the communication device using the telephone number; and

prompting, through the communication device, input of the second identification information.

7 . The method of claim 1 , wherein initiating a transfer of a fund amount further comprises:

causing an electronic funds transfer of the fund amount into the identified account.

8 . A system of processing a funds transfer transaction, comprising:

an adaptive payment server comprising one or more processors configured to:

receive first identification information, second identification information, and a request for a fund transfer;

determine an account associated with the first identification information;

authenticate identification of the account based on the second identification information; and

initiate a transfer of a fund amount associated with the requested fund transfer into the identified account, wherein the fund amount is deposited substantially immediately after the identified account has been authenticated.

9 . The system of claim 8 , wherein the first identification information includes a debit card number.

10 . The system of claim 8 , wherein the second identification information includes a Personal Identification Number (PIN).

11 . The system of claim 8 , wherein the adaptive payment server is further configured to:

identify a communication device based on the first identification information; and

initiate a communication to the communication device, wherein the second identification information is received from the communication device.

12 . The system of claim 11 , wherein the communication device includes a telephone function, and wherein the communication device is identified by a telephone number, and wherein the telephone number is determined based on the first identification information.

13 . The system of claim 11 , wherein said initiate a communication further comprises:

call, by an interactive voice response (IVR) system associated with the adaptive payment server, the communication device using the telephone number; and

prompt, through the communication device, input of the second identification information.

14 . The system of claim 8 , wherein said initiate a transfer of a fund amount further comprises:

cause an electronic funds transfer of the fund amount into the identified account.