{"schema_version":"1.0","canonical_url":"https://patentable.app/patents/US-8543477","patent":{"patent_number":"US-8543477","title":"Value tracking and reporting of automated clearing house transactions","assignee":null,"inventors":[],"filing_date":"2004-09-29T00:00:00.000Z","publication_date":"2013-09-24T00:00:00.000Z","cpc_codes":["G06Q","G06Q","G06Q"],"num_claims":56,"abstract":"Value tracking of automated clearing house (“ACH”) payments processed by an ACH operator includes receiving an ACH file for ACH processing. The ACH file comprises ACH payments originated by a remote sending point on behalf of a sending customer. A sum value of the ACH payments is added to a value of prior payments processed for the sending customer during a specified time period to obtain an accumulated payment value. The accumulated payment value is compared to a pre-established payment cap to determine whether the accumulated payment value exceeds the payment cap. The ACH payments are processed in response to a determination that the accumulated payment value does not exceed the payment cap. Whether to override the payment cap can be determined in response to a determination that the accumulated payment value exceeds the payment cap."},"analysis":{"summary":null,"layman_explanation":null,"technical_analysis":null,"business_analysis":null,"faqs":null,"topics":[],"tech_cluster":null},"seo":{"title":"Value tracking and reporting of automated clearing house transactions","description":"Value tracking of automated clearing house (“ACH”) payments processed by an ACH operator includes receiving an ACH file for ACH processing. The ACH file comprises ACH payments originated by a remote s","keywords":[]},"attribution":{"source":"Patentable","source_url":"https://patentable.app","canonical_url":"https://patentable.app/patents/US-8543477","license":"CC-BY-4.0-like","license_terms":"AI-generated analysis on this page (summary, layman_explanation, technical_analysis, business_analysis, faqs) may be reused with attribution and a visible link back to the canonical URL above. Patent abstracts, claims, and bibliographic data are USPTO public domain.","required_link":"https://patentable.app/patents/US-8543477","citation_suggestion":"Patentable. \"Value tracking and reporting of automated clearing house transactions\" (US-8543477). https://patentable.app/patents/US-8543477","copyright_holder":"Nomic Interactive Technology LLC"},"links":{"html":"https://patentable.app/patents/US-8543477","json":"https://patentable.app/api/llm-context/US-8543477","site":"https://patentable.app","llms_txt":"https://patentable.app/llms.txt"},"generated_at":"2026-05-30T18:07:16.795Z"}