SYSTEMS AND METHODS FOR ACCOUNT PROCESSING VALIDATION

• US 20150012423A1
• Filed: 06/26/2014
• Published: 01/08/2015
• Est. Priority Date: 07/03/2013
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Milam, Amy Christine, Klaus, Stephen J., Thompson, Allen Russell, Ampleman, Richard G.
• Granted Patent: US 10,325,258 B2
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists

Abstract

A computer system for validating an account to be used in an electronic payment includes a processor coupled to a memory device. The computer system is programmed to receive an account validation web request from a bill payment originator. The account validation web request includes account details. The computer system is further programmed to process the account validation web request to parse the account details, validate the account details associated with the account validation web request using at least one validation rule, and transmit an account validation web response to the bill payment originator.

Claims

1. A computer system for validating an account to be used in an electronic payment, said computer system comprising a host computing device having a processor in communication with a memory device, said host computing device programmed to:

receive, at the host computing device, an account validation web request from a bill payment originator, wherein the account validation web request includes account details;

process the account validation web request to parse the account details;

validate, using at least one validation rule, the account details associated with the account validation web request; and

transmit an account validation web response to the bill payment originator.

2. A computer system in accordance with claim 1, said host computing device further programmed to:

receive the account validation web request after applying at least one security application.

3. A computer system in accordance with claim 1, said host computing device further programmed to:

receive the account validation web request from at least one originator computing device in communication with the host computing device, wherein the account details include at least one of;

a bill payment originator identification associated with the account validation web request and the bill payment originator;

a timestamp identifier associated with the account validation web request wherein the timestamp identifier substantially represents a date and time associated with the account validation web request;

a biller identification number associated with the account validation web request and a biller;

a consumer account number associated with the account validation web request;

a transaction value associated with the account validation web request; and

at least one consumer identifier.

4. A computer system in accordance with claim 1, said host computing device further programmed to:

retrieve, from a biller database, at least one biller account layout associated with a biller associated with the account validation web request.

5. A computer system in accordance with claim 1, said host computing device further programmed to:

retrieve, from a biller database, at least one of a check digit routine and a biller account mask comparison associated with a biller associated with the account validation web request.

6. A computer system in accordance with claim 1, said host computing device further programmed to:

validate the account details by using a validation rule including at least one of a check digit routine and a biller account mask comparison.

7. A computer system in accordance with claim 1, said host computing device further programmed to:

validate the account details by verifying that the transaction value associated with the account validation web request does not exceed a threshold transaction value amount.

8. A computer system in accordance with claim 1, said host computing device further programmed to:

validate the account details by verifying that the bill payment originator identification matches a line-of-business category associated with a biller.

9. A computer system in accordance with claim 1, said host computing device further programmed to:

determine that the biller identification number is associated with a stop file service;

retrieve a list of stop file service consumer account numbers; and

validate the account details by determining that the consumer account number is not included within the list of stop file service consumer account numbers.

10. A computer system in accordance with claim 1, said host computing device further programmed to:

transmit, to the bill payment originator, an account validation web response including the at least one consumer identifier.

11. A computer system in accordance with claim 1, said host computing device further programmed to:

transmit, to the bill payment originator, an account validation web response including a response indicator representing whether the account details were validated.

12. A computer system in accordance with claim 1, said host computing device further programmed to:

transmit, to the bill payment originator, an account validation web response including at least one of an error message and an error code.

13. A computer-based method for validating an account to be used in an electronic payment using a host computing device including a processor in communication with a memory device, said method comprising:

receiving, at the host computing device, an account validation web request from a bill payment originator, wherein the account validation web request includes account details;

processing the account validation web request to parse the account details;

validating, using at least one validation rule, the account details associated with the account validation web request; and

transmitting an account validation web response to the bill payment originator.

14. The method of claim 13, further comprising receiving the account validation web request after applying at least one security application.

15. The method of claim 13, further comprising receiving the account validation web request from at least one originator computing device, wherein the account details include at least one of:

a bill payment originator identification associated with the account validation web request and the bill payment originator;

a timestamp identifier associated with the account validation web request wherein the timestamp identifier substantially represents a date and time associated with the account validation web request;

a biller identification number associated with the account validation web request and a biller;

a consumer account number associated with the account validation web request;

a transaction value associated with the account validation web request; and

at least one consumer identifier.

16. The method of claim 13, further comprising:

retrieving, from a biller database, at least one biller account layout associated with a biller associated with the account validation web request.

17. The method of claim 13, further comprising:

retrieving, from a biller database, at least one of a check digit routine and a biller account mask comparison associated with a biller associated with the account validation web request.

18. The method of claim 13, further comprising validating the account details by using a validation rule including at least one of a check digit routine and a biller account mask comparison.

19. The method of claim 13, further comprising validating the account details by verifying that the transaction value associated with the account validation web request does not exceed a threshold transaction value amount.

20. The method of claim 13, further comprising validating the account details by verifying that the bill payment originator identification matches a line-of-business category associated with a biller.

21. The method of claim 13, further comprising:

determining that the biller identification number is associated with a stop file service;

retrieving a list of stop file service consumer account numbers; and

validating the account details by determining that the consumer account number is not included within the list of stop file service consumer account numbers.

22. The method of claim 13, further comprising:

transmitting, to the bill payment originator, an account validation web response including the at least one consumer identifier.

23. The method of claim 13, further comprising:

transmitting, to the bill payment originator, an account validation web response including a response indicator representing whether the account details were validated.

24. The method of claim 13, further comprising:

transmitting, to the bill payment originator, an account validation web response including at least one of an error message and an error code.

25. At least one non-transitory computer-readable storage media having computer-executable instructions embodied thereon, wherein when executed by at least one processor, the computer-executable instructions cause the processor to:

receive an account validation web request from a bill payment originator, wherein the account validation web request includes account details;

process the account validation web request to parse the account details;

validate, using at least one validation rule, the account details associated with the account validation web request; and

transmit an account validation web response to the bill payment originator.