Electronic bill pay and bill presentment account number treatment system and method
First Claim
1. 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.
1 Assignment
0 Petitions
Accused Products
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.
92 Citations
20 Claims
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1. 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:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system for transforming account number data received from a source into one or more forms based on use by specific post-processes, comprising:
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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. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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19. A system for handling account numbers to improve a match rate on merchant supplied masks, comprising:
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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.
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20. A computer implemented method for handling account numbers to improve a match rate on merchant supplied masks, said method comprising the steps of:
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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.
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Specification