SELF-RECONCILED MULTI-PART TRANSACTION

摘要

A method for payment reconciliation in an electronic funds settlement transaction network includes receiving a first communication generated by a payer in response to a claim of a provider, the first communication including an explanation of benefits associated with the claim and including personal health information, and instructions to initiate an electronic funds transfer with the ODFI, generating a second communication including a transaction for settling the electronic funds transfer, communicating the second communication to a receiving depository financial institution associated with the provider, generating a third communication including an indication of payment transaction information and the personal health information, wherein the personal health information is encrypted, and communicating the third communication to the provider via an electronic bill payment system.