Systems and methods for processing a batch payment in real-time payment network

Abstract

Systems and methods for executing a batch of electronic transactions. One method may include: receiving, at a user interface of an information handling device associated with the real time transaction system, a selection to import a transaction file, wherein the transaction file comprises a listing of a plurality of transaction requests; identifying, via analysis of the transaction file, one or more characteristics associated with each of the plurality of transaction requests in the listing; determining, based on the identified one or more characteristics, whether a subset of the plurality of transaction requests are deficient; isolating, responsive to the determining, the subset from a remainder of the plurality of transaction requests; and facilitating, responsive to receiving user authorization input, a transaction process for each of the plurality of transaction requests in the remainder.

What is claimed is: 
     
         1 . A method of executing a batch of electronic transactions by a real-time transaction system, the method comprising:
 facilitating, responsive to receiving a user command, an import process of a transaction file to an application platform associated with the real time transaction system, wherein the transaction file comprises a listing of a plurality of transaction requests;   identifying, during the import process, that a subset of the plurality of transaction requests are determined to contain a deficiency; and   presenting, subsequent to the identifying and on a user interface of the application platform, an indication of the results of the import process.   
     
     
         2 . The method of  claim 1 , wherein the presenting the indication comprises displaying an import results page. 
     
     
         3 . The method of  claim 2 , wherein the import results page comprises an import summary section comprising information that indicates: a total number of the plurality of transaction requests in the transaction file, a successful number of imported transaction requests from the total number of the plurality of transaction requests; and a failed number of transaction requests from the total number of the plurality of transaction. 
     
     
         4 . The method of  claim 3 , further comprising presenting, responsive to receiving user interaction input with an icon positioned in a tab containing the failed number of transaction requests from the total number of the plurality of transaction requests, a deficient accounts table comprising information that identifies: a row location in the transaction file where an error in each of the subset of the plurality of transaction requests is located and an error description explaining the error. 
     
     
         5 . The method of  claim 2 , wherein the imports results page comprises a payment bundle section comprising one or more payment bundle groups;
 wherein each of the one or more payment bundle groups comprises a portion of a successful number of imported transaction requests from the total number of the plurality of transaction requests;   wherein each of the portion of the successful number of imported transaction requests share a receiving currency type.   
     
     
         6 . The method of  claim 5 , wherein each of the one or more payment bundle groups comprises an indication of: a number of the successful number of imported transaction requests, a designation of the receiving currency type, and a total transaction amount of the number of the successful number of imported transaction requests. 
     
     
         7 . The method of  claim 5 , further comprising:
 ascertaining a real-time exchange rate for each of the one or more payment bundle groups;   presenting an indication of a predetermined period of time that the real-time exchange rate is valid for each of the one or more payment bundle groups;   determining whether user authorization input to execute the batch of electronic transaction is received within the predetermined period of time; and   providing, responsive to determining that the user authorization input was not received within the predetermined period time and upon refresh of the application platform; an updated real-time exchange for each of the one or more payment bundle groups.   
     
     
         8 . A real-time transaction system, comprising:
 one or more computer readable media storing instructions for executing a batch of electronic transactions; and   one or more processors configured to execute the instructions to perform operations comprising:   facilitating, responsive to receiving a user command, an import process of a transaction file to an application platform associated with the real time transaction system, wherein the transaction file comprises a listing of a plurality of transaction requests;   identifying, during the import process, that a subset of the plurality of transaction requests are determined to contain a deficiency; and   presenting, subsequent to the identifying and on a user interface of the application platform, an indication of the results of the import process.   
     
     
         9 . The real-time transaction system of  claim 8 , wherein the presenting the indication comprises displaying an import results page. 
     
     
         10 . The real-time transaction system of  claim 9 , wherein the import results page comprises an import summary section comprising information that indicates: a total number of the plurality of transaction requests in the transaction file, a successful number of imported transaction requests from the total number of the plurality of transaction requests; and a failed number of transaction requests from the total number of the plurality of transaction. 
     
     
         11 . The real-time transaction system of  claim 10 , further comprising presenting, responsive to receiving user interaction input with an icon positioned in a tab containing the failed number of transaction requests from the total number of the plurality of transaction requests, a deficient accounts table comprising information that identifies: a row location in the transaction file where an error in each of the subset of the plurality of transaction requests is located and an error description explaining the error. 
     
     
         12 . The real-time transaction system of  claim 9 , wherein the imports results page comprises a payment bundle section comprising one or more payment bundle groups;
 wherein each of the one or more payment bundle groups comprises a portion of a successful number of imported transaction requests from the total number of the plurality of transaction requests;   wherein each of the portion of the successful number of imported transaction requests share a receiving currency type.   
     
     
         13 . The real-time transaction system of  claim 12 , wherein each of the one or more payment bundle groups comprises an indication of: a number of the successful number of imported transaction requests, a designation of the receiving currency type, and a total transaction amount of the number of the successful number of imported transaction requests. 
     
     
         14 . The real-time transaction system of  claim 12 , further comprising:
 ascertaining a real-time exchange rate for each of the one or more payment bundle groups;   presenting an indication of a predetermined period of time that the real-time exchange rate is valid for each of the one or more payment bundle groups;   determining whether user authorization input to execute the batch of electronic transaction is received within the predetermined period of time; and   providing, responsive to determining that the user authorization input was not received within the predetermined period time and upon refresh of the application platform; an updated real-time exchange for each of the one or more payment bundle groups.   
     
     
         15 . A non-transitory computer-readable medium storing instructions for executing a batch of electronic transactions, the instructions, when executed by one or more processors, causing the one or more processors to perform operations, comprising:
 facilitating, responsive to receiving a user command, an import process of a transaction file to an application platform associated with the real time transaction system, wherein the transaction file comprises a listing of a plurality of transaction requests;   identifying, during the import process, that a subset of the plurality of transaction requests are determined to contain a deficiency; and   presenting, subsequent to the identifying and on a user interface of the application platform, an indication of the results of the import process.   
     
     
         16 . The non-transitory computer-readable medium of  claim 15 , wherein the presenting the indication comprises displaying an import results page. 
     
     
         17 . The non-transitory computer-readable medium of  claim 16 , wherein the import results page comprises an import summary section comprising information that indicates: a total number of the plurality of transaction requests in the transaction file, a successful number of imported transaction requests from the total number of the plurality of transaction requests; and a failed number of transaction requests from the total number of the plurality of transaction. 
     
     
         18 . The non-transitory computer-readable medium of  claim 16 , wherein the imports results page comprises a payment bundle section comprising one or more payment bundle groups;
 wherein each of the one or more payment bundle groups comprises a portion of a successful number of imported transaction requests from the total number of the plurality of transaction requests;   wherein each of the portion of the successful number of imported transaction requests share a receiving currency type.   
     
     
         19 . The non-transitory computer-readable medium of  claim 18 , wherein each of the one or more payment bundle groups comprises an indication of: a number of the successful number of imported transaction requests, a designation of the receiving currency type, and a total transaction amount of the number of the successful number of imported transaction requests. 
     
     
         20 . The non-transitory computer-readable medium of  claim 18 , further comprising:
 ascertaining a real-time exchange rate for each of the one or more payment bundle groups;   presenting an indication of a predetermined period of time that the real-time exchange rate is valid for each of the one or more payment bundle groups;   determining whether user authorization input to execute the batch of electronic transaction is received within the predetermined period of time; and   providing, responsive to determining that the user authorization input was not received within the predetermined period time and upon refresh of the application platform; an updated real-time exchange for each of the one or more payment bundle groups.