公开(公告)号：US08543477B2

公开(公告)日：2013-09-24

申请号：US10953754

申请日：2004-09-29

申请人： Robert Anthony Love ,  Lantanya Neale Mauriello ,  Nesta Valerie Reckord-Yarde ,  Susan Lynne Robertson ,  Robert Williams ,  Donald E. Nelson

发明人： Robert Anthony Love ,  Lantanya Neale Mauriello ,  Nesta Valerie Reckord-Yarde ,  Susan Lynne Robertson ,  Robert Williams ,  Donald E. Nelson

IPC分类号： G06Q40/00

CPC分类号： G06Q30/06 ,  G06Q40/02 ,  G06Q40/12

摘要： Value tracking of automated clearing house (“ACH”) payments processed by an ACH operator includes receiving an ACH file for ACH processing. The ACH file comprises ACH payments originated by a remote sending point on behalf of a sending customer. A sum value of the ACH payments is added to a value of prior payments processed for the sending customer during a specified time period to obtain an accumulated payment value. The accumulated payment value is compared to a pre-established payment cap to determine whether the accumulated payment value exceeds the payment cap. The ACH payments are processed in response to a determination that the accumulated payment value does not exceed the payment cap. Whether to override the payment cap can be determined in response to a determination that the accumulated payment value exceeds the payment cap.

摘要翻译： 由ACH运营商处理的自动清算所（“ACH”）支付的价值跟踪包括接收ACH文件进行ACH处理。 ACH文件包括由远程发送点代表发送客户发起的ACH支付。 ACH付款的总和值被添加到在指定时间段内为发送客户处理的先前付款的值，以获得累积的支付值。 将累积的支付值与预先建立的支付上限进行比较，以确定累积的支付值是否超过支付上限。 响应确定累积支付值不超过支付上限的ACH付款被处理。 响应于确定累积支付值超过支付上限，可以确定是否覆盖支付上限。

公开(公告)号：US08417636B2

公开(公告)日：2013-04-09

申请号：US11416946

申请日：2006-05-03

申请人： Robert Anthony Love ,  Lantanya Neale Mauriello ,  Nesta Valerie Reckord-Yarde ,  Susan Lynne Robertson ,  Robert Williams ,  Donald E. Nelson

发明人： Robert Anthony Love ,  Lantanya Neale Mauriello ,  Nesta Valerie Reckord-Yarde ,  Susan Lynne Robertson ,  Robert Williams ,  Donald E. Nelson

IPC分类号： G06Q40/00 ,  G06F17/60

CPC分类号： G06Q30/06 ,  G06Q20/102 ,  G06Q40/02

摘要： Approving automated clearing house (“ACH”) payments for processing by an ACH operator is based on an approved originator list identifying originators authorized by an originating depository financial institution (“ODFI”) to originate ACH payments and to send those ACH payments to the ACH operator on behalf of the ODFI. The ACH operator receives an ACH payment originated by a first originator and sent to the ACH operator on behalf of the ODFI. The ACH operator determines whether the first originator is on the approved originator list and processes the ACH payment if the first originator is on the approved originator list. The ACH operator can reject the ACH payment if the first originator is not on the approved originator list or can seek approval from the ODFI to process the ACH payment even if the first originator is not on the approved originator list.

摘要翻译： 批准由ACH运营商处理的自动清算所（ACH）付款是基于经认可的发起人清单，其中识别由发起存款机构授权的发起人（ODFI）发起ACH付款，并将ACH付款发送给ACH运营商 ODFI。 ACH运营商接收由第一发起方发起的ACH支付，并代表ODFI发送给ACH运营商。 ACH操作员确定第一个发起者是否在批准的发起者列表中，并且如果第一个发起者位于已批准的发起者列表上，则处理ACH付款。 如果第一个发起者不在批准的发起者名单上，或者即使第一个发起者不在批准的发起者名单上，也可以向ODFI寻求处理ACH付款的批准，ACH运营商可拒绝ACH付款。