Advance payment notice to financial institutions

A system for transmitting, to a first financial institution, information associated with a schedule future payment to the first financial institution, comprising:

• a central processing unit (CPU);
• a scheduled payment application executing on the CPU and comprising:
• a scheduled payment input module configured to:
• receive a request from the first financial institution for the information,
• wherein the scheduled future payment comprises an existing instruction from a customer to a second financial institution to initiate, at a future date, a transfer of funds to the first financial institution from an established source account at the second financial institution, in order to pay a debt associated with a credit card issued to the customer by the first financial institution;
• an intermediary data repository coupled to the scheduled payment input module, not controlled by the first financial institution, and configured to:
• perform, in response to the request, a search for the information on an intermediary data repository to obtain a result comprising an account number of the source account, a dollar amount of the scheduled future payment, and a payment date specifying the future date at which the scheduled future payment occurs,
• wherein the intermediary data repository is a data repository not controlled by the first financial institution or the second financial institution;
• and
• a scheduled payment notification module coupled to the intermediary data repository and configured to:
• transmit the result to the first financial institution.

A non-transitory computer readable medium storing instructions to transmit, to a first financial institution, information associated with a scheduled future payment to the first financial institution, the instructions executable on a central processing unit and comprising functionality to:

• receive a request from the first financial institution for the information,
• wherein the scheduled future payment comprises an existing instruction from a customer to a second financial institution to initiate, at a future date, a transfer of funds to the first financial institution from an established source account at the second financial institution, in order to pay a debt associated with a credit card issued to the customer by the first financial institution;
• perform, in response to the request, a search for the information on an intermediary data repository to obtain a result comprising an account number of the source account, a dollar amount of the scheduled future payment, and a payment date specifying the future date at which the scheduled future payment occurs,
• wherein the intermediary data repository is a data repository not controlled by the first financial institution or the second financial institution;
• and
• transmit the result to the first financial institution.