# US 8,150,748 B1 · Systems and methods for dynamic configuration of software agents for transfer operations > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 8,150,748 B1 - Document ID: US8150748B1 - Status: Granted - Kind: B1 - Application number: 11/463,583 - Filed: 2006-08-09 - Granted: 2012-04-03 - Earliest claimed: 2006-08-09 - Assignees: United Services Automobile Association (USAA) - Inventors: Marco A. Jimenez - Web page: https://patentgrep.com/patent/US8150748B1 ## CPC - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/382: {insuring higher security of transaction} - G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes - G06Q 40/123: {Tax preparation or submission} - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR ## Abstract Systems and methods for providing the dynamic configuration of software agents for transfer operations are described. The apparatus may include a transaction processor to receive and execute transfer requests, an object execution engine to retrieve one or more software objects and a data store to store the one or more software objects. The method may include receiving a transfer transaction request, retrieving a software object, executing the software object, performing a transfer and terminating the software object. ## Claims ### Claim 1 A machine-readable medium having machine executable instructions for providing benefits to a user contained therein, the machine-executable instructions performing the following operations: receiving a funds transfer transaction request, the funds transfer transaction request including a plurality of payment sources, wherein funds from each payment source are used in the funds transfer transaction request; selecting a software object from a plurality of software objects in a software object store using an external system providing the funds transfer request, wherein at least one of the plurality of software objects is a robust software object, the robust software object configured to call one or more other software objects to provide for a transfer of funds between two or more external systems and to control the additional software objects; retrieving from a software object data store the executable software object from the plurality of software objects based on the funds transfer transaction request, the plurality of software objects configured to initiate and produce an interface with an external system for the plurality of payment sources and for a specific funds transfer request; executing the software object retrieved from the software object data store to setup the interface with the external system; wherein each of the plurality of software objects is an abstracted interface object configured to receive a standardized set of data items and translate the standardized set of data items into instructions intended to cause the external system to perform operations intended to complete the transfer transaction request; performing a funds transfer defined by the funds transfer transaction request using the interface setup by the executed software object; and terminating the executed software object. ### Claim 2 (depends on 1) The machine-readable medium of claim 1, wherein the transfer transaction request is an ACH (Automated Clearing House) transaction. ### Claim 3 (depends on 1) The machine-readable medium of claim 1, wherein the transfer transaction request is a wire transfer transaction. ### Claim 4 (depends on 1) The machine-readable medium of claim 1, wherein each of the plurality of software objects is a J2EE (Java 2 Enterprise Edition) software object. ### Claim 5 (depends on 1) The machine-readable medium of claim 1, wherein the one or more other software objects are retrieved from the software object data store in response to instructions sent from the robust software object. ### Claim 6 A method of dynamically providing a customized software object, the method comprising: receiving a funds transfer transaction request, the funds transfer transaction request including a plurality & payment sources, wherein funds from each payment source are used in the funds transfer transaction request; selecting a software object from a plurality of software objects in a software object store using an external system providing the funds transfer request, wherein at least one of the plurality of software objects is a robust software object, the robust software object configured to call one or more other software objects to provide for a transfer of funds between two or more external systems and to control the additional software objects; retrieving, from a software object data store, the software object from the plurality of software objects using the funds transfer transaction request, the plurality of software objects being configured to initiate and produce an interface with an external system for the plurality of payment sources and for a specific funds transfer request; executing the software object retrieved from the software object data store to produce the interface; wherein each of the plurality of software objects is an abstracted interface object configured to receive a standardized set of data items and translate the standardized set of data items into instructions intended to cause the external system to perform operations intended to complete the transfer transaction request; performing a transfer defined by the funds transfer transaction request using the executed software object and the interface; and terminating the executed software object. ### Claim 7 (depends on 6) The method of claim 6, wherein the transfer transaction request is an ACH transaction. ### Claim 8 (depends on 6) The method of claim 6, wherein the transfer transaction request is a wire transfer transaction. ### Claim 9 (depends on 6) The method of claim 6, wherein each of the plurality of software objects is a J2EE software object. ### Claim 10 (depends on 6) The method of claim 6, wherein the one or more other software objects are retrieved from the software object data store in response to instructions sent from the robust software object. ### Claim 11 A system for dynamically providing a customized software object, the system comprising at least one subsystem for: receiving a funds transfer transaction request, the funds transfer transaction request including a plurality of payment sources, wherein funds from each payment source are used in the funds transfer transaction request; selecting a software object from a plurality of software objects in a software object store using an external system providing the funds transfer request, wherein at least one of the plurality of software objects is a robust software object, the robust software object configured to call one or more other software objects to provide for a transfer of funds between two or more external systems and to control the additional software objects; retrieving, from a software object data store, the software object from the plurality of software objects using the funds transfer transaction request, the plurality of software objects configured to initiate and produce an interface with an external system for the plurality of payment sources and for a specific funds transfer request; executing, in a processor, the software object retrieved from the software object data store to produce the interface; wherein each of the plurality of software objects is an abstracted interface object configured to receive a standardized set of data items and translate the standardized set of data items into instructions intended to cause the external system to perform operations intended to complete the transfer transaction request; performing, in a system, a transfer defined by the transfer transaction request using the executed software object and the interface; and terminating the executed software object. ### Claim 12 (depends on 11) The system of claim 11, wherein the transfer transaction request is an ACH transaction. ### Claim 13 (depends on 11) The system of claim 11, wherein the transfer transaction request is a wire transfer transaction. ### Claim 14 (depends on 11) The system of claim 11, wherein each of the plurality of software objects is a J2EE software object. ### Claim 15 (depends on 11) The system of claim 11, wherein the one or more other software objects are retrieved from the software object data store in response to instructions sent from the robust software object. ### Claim 16 (depends on 1) The medium of claim 1, wherein terminating includes terminating the interface; and wherein selecting includes determining if an interface for the external is running and if so skipping the retrieving and executing and proceeding to the performing funds transfer.