Method for future payment transactions

A method for enabling a future payment transaction, comprising:

• enabling submission of a future payment request to a server arrangement, wherein the future payment request comprises a request to pay money ahead of schedule for at least a portion of any scheduled payment selectable by a user, wherein the user is provided with an ability to submit the future payment request for an out-of-sequence scheduled payment without submitting a corresponding payment request for an in-sequence scheduled payment using an acceptable set of payment alteration options approved by a party owed money by the user;
• processing said future payment request at the server arrangement and, when acceptable, providing a decision comprising approval of the future payment request, and when unacceptable, providing the decision comprising denial of the future payment request;
• presenting the decision from the server arrangement to the user;
• and
• offering the user an ability to submit an alternate future payment request according to the acceptable set of payment alteration options when the future payment request is unacceptable;
• wherein processing the future payment request at the server arrangement comprises comparing the future payment request against rules available to the server arrangement established for the party owed money by the user, and when such comparing indicates the future payment request is unacceptable, providing the denial of the future payment request.

A method for facilitating a user's future payment transaction, comprising:

• enabling the user to submit a future payment request to a server arrangement, wherein the future payment request comprises a request to make at least one immediate payment, wherein the user is provided with an ability to submit the future payment request for an out-of-sequence scheduled payment without submitting a corresponding payment request for an in-sequence scheduled payment using an acceptable set of payment alteration options approved by a party owed money by the user;
• processing said future payment request at the server arrangement and, when acceptable, providing a decision comprising approval of the future payment request, and when unacceptable, providing the decision comprising denial of the future payment request;
• transmitting the decision from the server arrangement to the user;
• and
• offering the user an ability to submit an alternate future payment request according to the acceptable set of payment alteration options when the future payment request is unacceptable;
• wherein processing the future payment request at the server arrangement comprises comparing the future payment request against rules available to the server arrangement established for a party owed money by the user, and when such comparing indicates the future payment request is unacceptable, providing the denial of the future payment request.