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.
22 Citations
19 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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19-20. -20. (canceled)
Specification