Electronic bill pay and bill presentment account number treatment system and method
AssigneeWells Fargo Bank, N.A.
InventorDarrell Sher
Life of this patent
Estimating the term…
Abstract
A technique is provided that transforms account number data received from the consumer into one or more forms based on use by specific processes. Further provided is a technique for establishing payees using these account numbers such that remittances can be routed via the most cost effective means, e.g. which remittance processor is determined and/or which processor among internal processors within an enterprise is determined, and such that, when available, electronic bills can be successfully requested for on-line presentation. The technique to transform account number data can be applied by systems in industries other than banking and for account numbers from sources other than a customer.
Claims20
A computer implemented method for transforming account number data received from a source into one or more forms based on use by specific post-processes, comprising the steps of:
- receiving an account number from a source and receiving an indicated post-processing purpose;
- if available, applying a set of cleansing instructions, said instructions based on said indicated post-processing purpose, to said account number to output one or more cleansed account numbers;
- if one or more outputted cleansed account numbers are available, using said one or more cleansed account numbers in intermediate processing;
- if said one or more cleansed account numbers pass said intermediate processing, then using said passed and cleansed account number for post-processing;
- otherwise, trimming said received account number and using said trimmed account number in said intermediate processing;
- and
- if said trimmed account number passes said intermediate processing, then using said trimmed number for post-processing, otherwise, invoking an appropriate error-handling process.
A system for transforming account number data received from a source into one or more forms based on use by specific post-processes, comprising:
- means for receiving an account number from a source and receiving an indicated post-processing purpose;
- if available, means for applying a set of cleansing instructions, said instructions based on said indicated post-processing purpose, to said account number to output one or more cleansed account numbers;
- if one or more outputted cleansed account numbers are available, means for using said one or more cleansed account numbers in intermediate processing;
- if said one or more cleansed account numbers pass said intermediate processing, then means for using said passed and cleansed account number for post-processing;
- otherwise, means for trimming said received account number and means for using said trimmed account number in said intermediate processing;
- and
- if said trimmed account number passes said intermediate processing, then means for using said trimmed number for post-processing, otherwise, means for invoking an appropriate error handling process.
A system for handling account numbers to improve a match rate on merchant supplied masks, comprising:
- a global trim rule module that handles leading and trailing spaces for all customer entered account numbers;
- an account number handling process module that comprises a second pass process module wherein if a cleansed account number does not pass both a payee account mask and an eBill account mask when adding eBillers, then the second pass functionality is invoked;
- a screen navigation process module that allows for a customer to re-try an account number that fails an eBill mask;
- screen content that assists a customer when re-entering an account number after an eBill account mask failure;
- and
- a reporting module that produces a report which assists in the support and maintenance of new account number handling rules.
A computer implemented method for handling account numbers to improve a match rate on merchant supplied masks, said method comprising the steps of:
- providing a global trim rule module that handles leading and trailing spaces for all customer entered account numbers;
- providing an account number handling process module that comprises a second pass process module wherein if a cleansed account number does not pass both a payee account mask and an eBill account mask when adding eBillers, then the second pass functionality is invoked;
- providing a screen navigation process module that allows for a customer to re-try an account number that fails an eBill mask;
- providing screen content that assists a customer when re-entering an account number after an eBill account mask failure;
- and
- providing a reporting module that produces a report which assists in the support and maintenance of new account number handling rules.
Dependencies are inferred from the claim text.