| 摘要 |
Batch processing of financial transactions includes collecting a plurality of payments, such as credit or debit payments, in a payment system. The payments are sorted with the credit payments being sorted to a credit bundle. The debit payments are submitted to a simulated posting in an account management system. If the debit payment would be accepted, the debit payment is added to a debit bundle. Thereupon, the credit bundle is processed as a single transaction in the account management system. The payment system verifies that an account associated with the debit bundle has the financial reserves to cover the debit bundle amount. If the reserve is not available, the payment system removes debit payments until the reserve covers the debit bundle. The debit bundle is then processed as a single transaction in the account management system.
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