Abstract: Efficiently processing ACH payments by processing batches of ACH payments in parallel. A processing system of an ACH operator receives an ACH file including multiple batches of ACH items. Each batch includes at least one ACH item. A control module of the processing system organizes data in the ACH file into multiple partitions according to a selected strategy. Each partition includes at least one of the batches. A processing module of the processing system separately processes each partition in parallel, validating the batches and ACH items and creating at least one output batch for each partition. If the control module determines that the ACH file is acceptable, based on this parallel processing, then the processing module settles the ACH items in the output batches and creates at least one new ACH file for transmitting the settled ACH items to one or more corresponding receiving depository financial institutions.

Abstract: Converting electronic files comprising financial transaction data for supporting international electronic financial transactions. A gateway financial institution that processes electronic payments can organize files comprising international financial transactions according to the destination country. The gateway financial institution can transmit the organized transaction files to an interface that is coupled to the computing systems of foreign financial institutions. The interface can convert the transaction files from the format of the originating financial institution to the format of the receiving financial institution. The converted transaction files can then be forwarded to the respective foreign financial institutions. The interface can also transmit additional data associated with the transaction files to support settlement of the transactions.

Abstract: Identifying automated clearing house (“ACH”) transaction items processed by an ACH operator comprises processing ACH items for acceptance by the ACH operator. Each ACH item relates to an ACH transaction type. Each ACH item is associated with a corresponding ACH transaction type to which it is related. Each ACH item also is associated with parties involved in the transaction detailed in the ACH item. A request for information regarding a specified ACH transaction type is received from a requesting party. ACH items associated with the specified ACH transaction type and the requesting party are identified in response to receiving the request. Information regarding the identified ACH items is presented to the requesting customer.

Abstract: Tracking and reporting status of automated clearing house (“ACH”) transactions. An ACH operator receives an ACH file comprising an ACH batch comprising an ACH transaction item for ACH processing. The operator tracks a status of the ACH file, batch, and item during multiple ACH processing events. A customer communicates a query for the status of the ACH file, batch, or item. The operator retrieves the tracked status of the ACH file, batch, or item and presents the tracked status to the customer. The ACH processing events typically comprise receiving the ACH file, confirming the ACH file, approving the ACH file, processing the ACH file, processing the ACH batch in the ACH file, and processing the ACH transaction item in the ACH batch. The operator can present a graphical depiction of errors the ACH file header, batch header, or item record detail.

Abstract: Converting electronic files comprising financial transaction data for supporting international electronic financial transactions. A gateway financial institution that processes electronic payments can organize files comprising international financial transactions according to the destination country. The gateway financial institution can transmit the organized transaction files to an interface that is coupled to the computing systems of foreign financial institutions. The interface can convert the transaction files from the format of the originating financial institution to the format of the receiving financial institution. The converted transaction files can then be forwarded to the respective foreign financial institutions. The interface can also transmit additional data associated with the transaction files to support settlement of the transactions.