Payment Transfers - a better process?

I am attempting to model a procedure where an AR clerk can transfer a payment from one customer to another in as few steps as possible without touching the bank GL.  This situation may occur when an payment is applied to the wrong account.  My suggestion was to cancel the payment and re-enter the payment to the correct customer -- but we do not want the bank account to be effected.  I also kept running in to the problem of re-opening one invoice and closing another without performing a cancel payment. Is there a more streamlined process?  Any ideas?   

Thanks!