5. The method of claim 1 , wherein the rules based engine relies on at least one dictionary employed to translate received information into information used within a server.
1. A method for implementing a future payment transaction for payments owed, comprising: presenting information to a user, the information comprising information related to payments owed, including a number of payments owed and scheduled due dates for the payments owed; providing the user with an ability to submit a future payment request to a server, wherein the future payment request comprises a request to pay money to a third party in escrow for the benefit of a separate entity ahead of schedule for at least a portion of any scheduled payment selectable by the user representing money owed to the separate entity at a future date, 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 a payment request in-sequence scheduled payment; processing said future payment request at the server using a rules based engine configured to evaluate the future payment request by the user and, when acceptable based on rules established on behalf of the separate entity applicable to the acceptability of future payment requests, provide a decision comprising approval of the future payment request based on established rules, and when unacceptable based on rules established on behalf of the separate entity applicable to the acceptability of future payment requests, provide the decision comprising denial of the future payment request based on established rules; presenting the decision to the user; offering the user an ability to submit an alternate future payment request when the future payment request is unacceptable based on the rules established and processing that alternate future payment request at the server using the rules based engine; wherein the rules established on behalf of the separate entity comprise the acceptability of receiving a future payment from any user.