Christopher Martin Sanders

US Patent:

20030158811, Aug 21, 2003

Filed:

Jul 18, 2002

Appl. No.:

10/198292

Inventors:

Christopher Sanders - San Antonio TX, US
David Nichol - San Antonio TX, US
Christopher Dereadt - Schertz TX, US
Timothy Symchych - San Antonio TX, US
Joshua Lockwood - San Antonio TX, US
Yebin Wang - San Antonio TX, US
Robert Scheibler - San Antonio TX, US
David Pfiffner - San Antonio TX, US
Pat Quiroz - San Antonio TX, US
Simon Bradwell - San Antonio TX, US

Assignee:

Ventanex - San Antonio TX

International Classification:

G06F017/60

US Classification:

705/039000, 705/034000

Abstract:

A system for rules based electronic funds transaction processing includes a business layer configured to receive electronic funds transaction data from a source. The business layer processes the electronic funds transaction data according to at least one of multiple independent rules based processing rules including at least one rule configured to process clearinghouse network dishonored items. A file transfer agent is operatively connected to the business layer for initiating a request to build a data file from the processed electronic funds transaction data. In response to building the data file, the file transfer agent operates to transfer the data file to at least one of a financial institution, an agent of a financial institution, and an electronic funds transaction clearinghouse network for placement of the data file on the electronic funds transaction clearinghouse network. The data file includes a network ready data file having a format at least in accordance with requirements of the electronic funds transaction clearinghouse network. A method and computer software are also disclosed.

Address:

12630 Hunters Chase St, San Antonio, TX 78230

VIN:

1G6DW677570136496

Make:

CADILLAC

Model:

STS

Year:

2007