Remittance payment processing with account scheming and/or validation
First Claim
Patent Images
1. A computer-implemented method comprising:
- receiving a consumer account number associated with a payor and a payee, wherein the consumer account number is not in a format acceptable to the payee;
selecting at least one alteration rule associated with the payee, wherein the at least one alteration rule is associated with at least one account number format that is acceptable to the payee;
altering the consumer account number to a modified consumer account number based on the at least one alteration rule associated with the payee, and wherein altering the consumer account number to a modified consumer account number includes inserting a character string at a particular position in the consumer account number to create the modified consumer account number; and
transmitting the modified consumer account number to the payee.
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Abstract
Systems and methods of remittance processing where a merchant database is provided that includes one or more alteration rules that are associated with a particular payee. A consumer account number associated with a payor is received and altered into a modified consumer account number, where the alteration is performed in accordance with one or more of the stored alteration rules. The modified consumer account number may then be transmitted to the particular payee to be utilized, for example, when processing a payment.
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Citations
31 Claims
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1. A computer-implemented method comprising:
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receiving a consumer account number associated with a payor and a payee, wherein the consumer account number is not in a format acceptable to the payee; selecting at least one alteration rule associated with the payee, wherein the at least one alteration rule is associated with at least one account number format that is acceptable to the payee; altering the consumer account number to a modified consumer account number based on the at least one alteration rule associated with the payee, and wherein altering the consumer account number to a modified consumer account number includes inserting a character string at a particular position in the consumer account number to create the modified consumer account number; and transmitting the modified consumer account number to the payee. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A system comprising:
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a merchant database, wherein the merchant database includes at least one alteration rule stored in association with a payee; and a processor, in communication with the merchant database, wherein the processor executes software instructions for; receiving a consumer account number associated with a payor and the payee, wherein the consumer account number is not in a format acceptable to the payee, selecting the at least one alteration rule associated with the payee, wherein the at least one alteration rule is associated with at least one account number format that is acceptable to the payee, altering the consumer account number to a modified consumer account number;
based on the at least one alteration rule associated with the payee, and wherein altering the consumer account number to a modified consumer account number includes inserting a character string at a particular position in the consumer account number to create the modified consumer account number, andtransmitting the modified consumer account number to the payee. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30)
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31. A system comprising:
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means for receiving a consumer account number associated with a payor and a payee, wherein the consumer account number is not in a format acceptable to the payee; means for selecting at least one alteration rule associated with the payee, wherein the at least one alteration rule is associated with at least one account number format that is acceptable to the payee; means for altering the consumer account number to a modified consumer account number based on the at least one alteration rule associated with the payee, and wherein altering the consumer account number to a modified consumer account number includes inserting a character string at a particular position in the consumer account number to create the modified consumer account number; and means for transmitting the modified consumer account number to the payee.
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Specification