So they use FTP and files as an RPC mechanism. What happens when you accidentall... | Hacker News

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_qc3o on April 23, 2014 | parent | context | favorite | on: How ACH works: A developer perspective

So they use FTP and files as an RPC mechanism. What happens when you accidentally overwrite files? How does sequencing happen? Do they use timestamps on the files?

It sorta, kinda makes sense and I can't really deny the simplicity of the whole scheme.

wiredfool on April 23, 2014 | [–]

Generally, there's a confirmation step for transaction counts and file totals.

Also, there's something of a convention to never send the same file name twice.

edawerd on April 23, 2014 | [–]

I'm sure every bank has their own protocol, but ours requires us to datestamp and incrementally sequence our filenames.

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