Methods and systems for providing transitory, communication-specific access to records to determine record modifications when processing electronic communications over computer networks

Abstract

A method for providing transitory, communication-specific access to records to determine record modifications when processing electronic communications through an automated clearing house (“ACH”) over computer networks. After receiving an ACH communication, the method may receive, via the source record, communication data from a communication provider indicating an attempted communication using an ACH communication format provided by the source record, wherein the communication data includes a communication processing load offset, data identifying the destination record, and data identifying a communication type.

1 . (canceled) 
     
     
         2 . A method for providing transitory, communication-specific access to records to determine record modifications when processing electronic communications through an automated clearing house (“ACH”) over computer networks, the method comprising:
 receiving an ACH communication, at a destination record from a source record, via a communication link at a predetermined time for a predetermined amount; 
 adjusting destination record data associated with the destination record by increasing a balance of the destination record by the predetermined amount; 
 after receiving the ACH communication, receiving, via the source record, communication data from a communication provider indicating an attempted communication using an ACH communication format provided by the source record, wherein the communication data includes a communication amount, data identifying the destination record, and data identifying a communication type; and 
 processing the attempted communication using the predetermined amount, wherein processing the attempted communication includes processing the attempted communication with an interchange rate, wherein the interchange rate is a percentage of the communication amount, and wherein the percentage is based on the communication type. 
 
     
     
         3 . The method of  claim 2 , wherein receiving the ACH communication includes receiving a request by one of an associated record holder and an associated financial institution. 
     
     
         4 . The method of  claim 2 , wherein:
 the source record is one of a checking account, a savings account, and a money market account, and   the destination record is one of a checking account, a savings account, and a money market account.   
     
     
         5 . The method of  claim 2 , wherein processing the attempted communication using the predetermined amount includes:
 accessing the balance of the destination record to determine whether the balance is greater than or equal to the communication amount, and wherein:   if it is determined that the balance is greater than or equal to the communication amount authorizing the attempted communication, and   if it is determined that the balance is not greater than or equal to the communication amount, one of denying the attempted communication, reprocessing the attempted communication, and accessing another record for funding the attempted communication or at least a portion of the attempted communication.   
     
     
         6 . The method of  claim 2 , wherein a record holder associated with the source record and the destination record is presented with an option of reprocessing the attempted communication using the destination record. 
     
     
         7 . The method of  claim 2 , wherein processing the attempted communication includes determining the interchange rate based on the communication type. 
     
     
         8 . The method of  claim 2 , wherein processing the attempted communication includes providing an opportunity during a predetermined period to prevent the attempted communication from being funded by the source record, receiving a request to prevent the attempted communication, determining whether the request is valid by:
 determining whether the attempted communication was subject to a fraud, and   determining whether an appropriate party conducted the attempted communication, if the request is determined to be invalid then preventing the attempted communication from being funded by the source record, and   if the request is determined to be valid then approving the attempted communication to be funded with the source record.   
     
     
         9 . The method of  claim 2 , further comprising:
 determining a balance of the source record by determining whether the balance is equal to or greater than the communication amount, and   requesting the ACH communication includes requesting the ACH communication for the communication amount from the source record to the destination record via an automated cleaning house network.   
     
     
         10 . The method of  claim 9 , wherein determining the source record includes checking a credit line of the source record for determining whether the credit line is equal to or greater than the communication amount. 
     
     
         11 . The method of  claim 2 , wherein processing the attempted communication includes determining the source record for funding the communication amount and requesting the ACH communication includes requesting the ACH communication from the source record. 
     
     
         12 - 20 . (canceled) 
     
     
         21 . The method of  claim 2 , wherein processing the attempted communication occurs after a predetermined delay. 
     
     
         22 . The method of  claim 21 , wherein the predetermined delay is provided during a settlement phase of the attempted communication. 
     
     
         23 . The method of  claim 22 , wherein the predetermined delay commences when a payment is made to the source record. 
     
     
         24 . The method of  claim 2 , wherein processing the attempted communication comprises processing the attempted communication in a predetermined sequence.