Method for remotely authorizing a payment transaction file over an open network
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United States of America Patent
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Jun 26, 2007
Grant Date -
Aug 11, 2005
app pub date -
Feb 10, 2004
filing date -
Feb 10, 2004
priority date (Note) -
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status (Latency Note)
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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.
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