. "account for the online money transfer system; [0015]FIG. 8 is a flow diagram of an embodiment of a process for transferring money from the payor to the payee; [0016]FIGS. 9A and 9B are a flow diagram of an embodiment of a process for moving money out of a stored value fund for a user; [0017]FIG. 10 is a flow diagram of an embodiment of a process for automating future transfers that uses the online" . . .