Patent ID: 8543477

Claim:
A computer-implemented method for value tracking of automated clearing house (“ACH”) payments processed by an ACH operator, comprising the steps of: receiving via a computer at the ACH operator an ACH file for ACH processing by the ACH operator, the ACH file comprising at least one ACH payment originated by a remote sending point on behalf of an originating depository financial institution (“ODFI”) and forwarded to the ACH operator by the remote sending point; determining via the computer whether the at least one ACH payment creates an accumulated payment value for ACH payments processed for the ODFI during a specified time period that exceeds a pre-established payment cap; processing the at least one ACH payment in response to a determination that the at least one ACH payment does not create an accumulated payment value that exceeds the payment cap; and determining whether to override the payment cap and to process the at least one ACH payment in response to a determination that the at least one ACH payment creates an accumulated payment value that exceeds the payment cap.