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Methods and apparatus for processing electronic checks

  • US 7,175,074 B2
  • Filed: 08/25/2004
  • Issued: 02/13/2007
  • Est. Priority Date: 08/25/2004
  • Status: Expired due to Fees
First Claim
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1. A method, comprising:

  • receiving account data;

    parsing the account data to determine a bank routing number, whereinthe account data includes MICR line data;

    comparing the bank routing number to a previously submitted bank routing number, wherein the previously submitted bank routing number is associated with a successful payment;

    determining if there has been a transposition of a first digit of the parsed bank routing number with a second digit of the parsed bank routing number; and

    upon determining that one transposition exists, automatically replacing the parsed bank routing number with the previously submitted bank routing number.

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