Patent ID: 7035872

Claim:
A computer implemented service for updating a merchant customer transaction account database over a network, comprising: a first database of information having a plurality of merchant customer records; a remote merchant customer database having a first plurality of customer transaction account records; a process server for appending a provider processing instruction to at least one of said first plurality of customer transaction account records to produce a merchant processing request data file; and a process server for receiving said merchant processing request data file, said process server configured to compare data consistency between said first database of information and said merchant processing request data file to produce a first comparison data file, said first comparison data file comprising a first record including a compilation of said merchant processing request data files accepted for processing by said process server, said first comparison data file further comprising a second record including a compilation of said merchant processing request data files rejected for processing by said process server, said process server further configured to at least one of update said first database of information in accordance with said provider processing instruction, wherein said provider processing instruction is appended to said merchant processing request data file and synchronize said first database with said merchant processing request data file.