System Supporting Automated Clearing House (ACH) Features

A computer-readable medium having computer-executable instructions that when executed cause one or more processors in a computer system to perform steps of:

• when a transaction item is blocked for an account, pausing a transaction associated with the transaction item in an automated clearing house (ACH) system;
• presenting the transaction item;
• receiving an on-line indication regarding the disposition of the transaction;
• in response to the presenting, receiving on-line authorization maintenance information;
• and
• determining whether to block a subsequent item based on the on-line authorization maintenance information.

An apparatus in an automated clearing house (ACH) system comprising:

• a memory;
• and
• one or more processors coupled to the memory and configured to perform, based on instructions stored in the memory:
• when a transaction item is blocked for an account that is associated with an ACH feature, pausing a transaction associated with the transaction item;
• presenting the transaction item;
• receiving an on-line indication regarding the disposition of the transaction;
• when the on-line indication is indicative of accepting the transaction item, allowing the transaction to process;
• and
• when the on-line indication is indicative of returning the transaction item, stopping the transaction and returning the transaction item.

A computer-assisted method comprising:

• receiving, by a computer system, a request to configure an automated clearing house (ACH) feature for a client on an ACH system;
• determining, by the computer system, an assigned platform for the client based on at least one account criterion, wherein the ACH system comprises a plurality of ACH platforms;
• and
• editing, by the computer system, configuration data based on the assigned platform, wherein the edited configuration data differs for another of the plurality of ACH platforms.

A computer-readable medium having computer-executable instructions that when executed perform:

• receiving a request to configure an automated clearing house (ACH) feature for a client on an ACH system;
• determining an assigned platform for the client based on a geographical location of the client, wherein the ACH system comprises a plurality of ACH platforms;
• and
• editing configuration data based on the assigned platform, wherein the edited configuration data differs for another of the plurality of ACH platforms.

An apparatus in an automated clearing house (ACH) system comprising:

• a memory;
• and
• a processor coupled to the memory and configured to perform, based on instructions stored in the memory:
• receiving a request to configure an automated clearing house (ACH) feature for a client on the ACH system;
• determining an assigned platform for the client based on at least one account criterion, wherein the ACH system comprises a plurality of ACH platforms;
• and
• editing account identification information based on the assigned platform, wherein the edited configuration data differs for another of the plurality of ACH platforms.