Abstract: A method for obtaining an approval of an electronic fund transfer (EFT) disbursement file from a user of a remote system and transferring the EFT disbursement file to a payments processor. The method comprises generating a digest, by performing a hash of the EFT disbursement file, and transferring the digest to the remote system along with authorization control code. The authorization control code drives the remote system to obtain a digital signature of authenticated attributes, which includes the digest, and generate an authorization response. The method further comprises receiving the authorization response from the remote system and transferring an electronic funds submission to the payments processor. The electronic funds submission comprises the payment transaction file and at least a portion of the authorization response comprising the digital signature.

Abstract: A method for obtaining an approval of an electronic fund transfer (EFT) disbursement file from a user of a remote system and transferring the EFT disbursement file to a payments processor. The method comprises generating a digest, by performing a hash of the EFT disbursement file, and transferring the digest to the remote system along with authorization control code. The authorization control code drives the remote system to obtain a digital signature of authenticated attributes, which includes the digest, and generate an authorization response. The method further comprises receiving the authorization response from the remote system and transferring an electronic funds submission to the payments processor. The electronic funds submission comprises the payment transaction file and at least a portion of the authorization response comprising the digital signature.

Abstract: A system is provided for approving an electronic fund transfer disbursement file and instructing a remote payment management system to generate and electronic fund transfer system to a payment processing server. The system comprises a network services module, a digital signature system and an electronic fund transfer submission module. The network services module establishes a secure connection to the remote payment management system. The digital signature system: i) returns a digital signature of a data file in response to a signature only processing call; and ii) returns a digital signature data structure in response to receiving a sign and package processing call. The electronic fund transfer submission module obtains an authorization request from the remote payment management system. The authorization request comprises a digest of the electronic fund transfer disbursement file. A dummy data file is passed to the digital signature system and a dummy data structure is returned.

Abstract: A payment management system for obtaining an approval of an electronic fund transfer (EFT) disbursement file from a user of a remote system and transferring the EFT disbursement file to a payments processor. The payment management system comprises an electronic fund transfer submission module for generating a digest, by performing a hash of the EFT disbursement file, and transferring the digest to the remote system along with authorization control code. The authorization control code drives the remote system to obtain a digital signature of authenticated attributes, which includes the digest, and generate an authorization response. The electronic fund transfer submission module further provides for receiving the authorization response from the remote system and transferring an electronic funds submission to the payments processor. The electronic funds submission comprises the payment transaction file and at least a portion of the authorization response comprising the digital signature.