Patent ID: 8447691
Filing Date: 2013-05-21
Classification: G06Q,H04M

Abstract:
1. A method for processing an ACH payment request in compliance with NACHA regulations comprising: (a) receiving a request, through a phone call from a customer, to initiate an electronic ACH payment authorization of an electronic ACH payment for at least one of a utility bill, credit card bill, and a mortgage loan payment, the request including at least an account identifier and a payment amount; (b) instructing, responsive to predetermined programming, whether to record the electronic ACH payment authorization including the customer's verbal interaction with an interactive voice response unit and preliminary portions of the phone call at least one of before the electronic ACH payment authorization and during the electronic ACH payment authorization; (c) initiating recording of the customer's verbal interaction with the interactive voice response unit in response to a first instruction from the interactive voice response unit; (d) recording and confirming the electronic ACH payment authorization using speech recognition software configured to recognize verbal responses of the customer, and the interactive voice response unit; (e) ending the recording of the customer's verbal interaction with the voice response unit in response to a second instruction from the interactive voice response unit; (f) tagging the sound file with at least the field of an account identifier; (g) storing the sound file for at least two years in a data repository, allowing retrieval of the sound file based on the fields the sound file was tagged with; (h) initiating the electronic ACH payment through a NACHA clearinghouse in accordance with the customer's confirmed ACH payment request information; (i) collecting customer information by the interactive voice response unit and storing the customer information for back end processing; (j) formatting the customer information and generating at least one customer file; and (k) and transmitting the customer files to an accounts payable system for processing and posting to customers' accounts in an account payable file.