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US 11,386,408 B2Granted
System and method for nearest neighbor-based bank account number validation
AssigneeIntuit Inc.
InventorsElhanan Mishraky, Yair Horesh, Yehezkel Shraga Resheff
Life of this patent
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Abstract
Systems and methods that may be configured to implement a nearest neighbor-based bank account validation process that may be used with electronic payments, transactions and or services.
Claims20
A computer implemented method for validating bank account numbers and being performed on a computing device, said method comprising:
- determining a valid numbers list by selecting at least one valid bank account number from each series in a plurality of series of bank account numbers, the valid bank account numbers selected by purging multiple bank account numbers from each series, each of the purged bank account numbers being within a close proximity threshold to at least one of the selected bank account numbers;
- inputting a request to validate a bank account number associated with a routing number;
- determining a validation status of the input bank account number using a nearest-neighbor based validation process, the validation status determined by:
- searching the valid numbers list for at least two valid bank account numbers that are neighbors of the input bank account number, the at least two valid bank account numbers including a larger account number that is greater than the input bank account number and a smaller account number that is smaller than the input bank account number;
- and
- determining if a distance between the input bank account number and the larger account number and a distance between the input bank account number and the smaller account number are within a predetermined proximity threshold;
- setting the validation status to an invalid status when it is determined the input bank account number is not within the predetermined proximity threshold to at least two valid bank account numbers that are neighbors of the input bank account number;
- and
- invalidating a transaction based on the validation status having an invalid status.
6 more elements
A system for validating bank account numbers, said system comprising:
- a first computing device connected to a second computing device through a network connection, the first computing device configured to:
- determine a valid numbers list by selecting at least one valid bank account number from each series in a plurality of series of bank account numbers, the valid bank account numbers selected by purging multiple bank account numbers from each series, each of the purged bank account numbers being within a close proximity threshold to at least one of the selected bank account numbers;
- input a request to validate a bank account number associated with a routing number;
- determine a validation status of the input bank account number using a nearest-neighbor based validation process, the computing device is configured to determine the validation status by:
- searching the valid numbers list for at least two valid bank account numbers that are neighbors of the input bank account number, the at least two valid bank account numbers including a larger account number that is greater than the input bank account number and a smaller account number that is smaller than the input bank account number;
- and
- determining if a distance between the input bank account number and the larger account number and a distance between the input bank account number and the smaller account number are within a predetermined proximity threshold;
- set the validation status to an invalid status when it is determined the input bank account number is not within the predetermined proximity threshold to at least two valid bank account numbers that are neighbors of the input bank account number;
- and
- invalidate a transaction based on the validation status having an invalid status.
7 more elements
Dependencies are inferred from the claim text.