Systems and methods for providing ACH transaction...

Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Accounting

Reexamination Certificate

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C705S050000, C705S064000, C705S075000, C705S035000, C709S204000, C700S001000

Reexamination Certificate

active

07974893

ABSTRACT:
A system and method for identifying incoming ACH transactions involving subscriber accounts at a financial institution, comparing the ACH transaction details with preset notification criteria, suspending any ACH transaction that satisfy the preset criteria so that the transaction does not post to the account, notifying the subscriber of the incoming ACH transaction, providing the subscriber with the option to either authorize or dispute the ACH transaction, and facilitating the dispute process according to applicable banking rules by requesting further information from the subscriber and forwarding the dispute information to the ACH operator.

REFERENCES:
patent: 6363357 (2002-03-01), Rosenberg et al.
patent: 7379916 (2008-05-01), Mizrah
patent: 7499889 (2009-03-01), Golan et al.
patent: 7539644 (2009-05-01), Hu et al.
patent: 7647278 (2010-01-01), Foth et al.
patent: 2006/0080263 (2006-04-01), Willis et al.
patent: 2007/0187484 (2007-08-01), Cooper et al.
Matthew Whiteman, Account Alert, 2003.
PCT Search Report and the Written Opinion dated Feb. 20, 2009.

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