SYSTEM AND METHOD FOR PERFORMING CALLBACKS IN AN AUTOMATED CLEARING HOUSE NETWORK

摘要

A system and method is provided for performing callbacks in a commercial transaction processing system. The system includes a transaction processor to receive a transaction request from a user. The transaction request includes an amount to be transferred between a user account and a first bank account associated with a first bank. A second bank is coupled to the transaction processor to transmit an instruction to the first bank to transfer the amount between the first bank account and the user account. The second bank receives a response from the first bank indicating whether the amount can be transferred, and selectively generates a callback message based on the response from the first bank. The transaction processor further determines whether to update the user account to reflect the amount to be transferred based, at least in part, on the callback message.

主权项

1. A system for processing commercial transactions, the system comprising:
a transaction processor to receive a transaction request from a user, wherein the transaction request includes an amount to be transferred between a user account and a first bank account associated with a first bank; and a second bank coupled to the transaction processor, wherein the second bank is to:
transmit an instruction to the first bank to transfer the amount between the first bank account and a second bank account associated with the second bank;receive a response from the first bank indicating whether the amount can be transferred; andselectively generate a callback message based on the response from the first bank; wherein the transaction processor determines whether to update the user account to reflect the amount to be transferred based, at least in part, on the callback message.