Real account to account transfers

Online accounts can be linked to real online bank accounts, an option to allow the transfer to ACTUALLY make a transfer would be really slick. There are two types of transfers:

1. In-bank: this is like making a transfer from Checking to Savings in the same bank.
2. Bank-bank: this is like moving money from an HSBC account to a Chase account. This (I think) has two sub-types and as such can be addressed in two different ways:
    i. Bill-pay: ie, paying a credit card. This is done via the "Pay Bills" option in HSBC.
    ii. Transfer: ie, moving from hsbc checking to m&t checking. This is done via the "Bank To Bank Transfers" option in HSBC.

All of this can be done via urllib[2] in Python.

Conceptual issues:
 - bank-bank transfers are detected when both accounts (source and destination) have routing and account numbers
  * in-bank transfers are further differentiated by account at the same bank with the same login credentials (note same routing number isn't good, as all users of that bank have the same routing number)
 - bill pay - how to differentiate this? a checkbox: "Credit Card"? hmmm...

Type = BankAccount | CreditCard [ | Investing]
Name = (HSBC | M&T | Chase) | (Chase | FIA)
Username
Password
[Password2] (for sites such as HSBC)
AccountNum (bank account num or CC #)
if Type is BankAccount:
  RoutingNum

Another way to go is having explicit known support, where each bank type knows which other bank types it can transfer to, and from. So for a command "Transfer X dollars from A to B", we ensure X is a positive amount, and then require that EITHER A supports transfer TO B, or B supports transfer FROM A.