Patent ID: 8606661

Claim:
A computer-assisted method comprising: receiving, by a computer system, a first user input from a user, said first user input comprising an instruction to block a transaction item for an account that is associated with an automated clearing house (ACH) system, wherein the instruction to block the transaction item comprises one of: an instruction to block all credits; an instruction to block all debits; an instruction to block all credits and all debits; an instruction to block all items originating from one or more Securities and Exchange Commission (SEC) codes; or an instruction to block all items originating from one or more trading partners; blocking the transaction item by the computer system according to the first user input; pausing a transaction associated with the transaction item by populating a first variable in memory of the computer system that indicates the transaction should be paused; presenting, by the computer system, the transaction item on an output device viewable by the user; receiving, by the computer system, a second user input from the user, said second user input comprising an indication of a desired handling of the transaction; when the indication is indicative of accepting the paused transaction item, allowing the transaction to process by populating a second variable in the memory to indicate to the computer system to allow the transaction item; and when the indication is indicative of returning the paused transaction item, stopping the transaction and returning the transaction item by populating a third variable in the memory to indicate to the computer system to stop the transaction and to return the transaction item.