Method and apparatus for computer-implemented processing of payment entries
First Claim
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1. A computer-implemented method for processing a payment entry from a customer to a third party, comprising:
- automatically checking, by the computer, the payment entry for errors as the payment entry is received;
upon detecting one or more errors with the payment entry, assigning, by the computer, a weight to each of the one or more errors; and
initiating, by the computer, appropriate follow-up measures depending on the weight assigned to the one or more errors, the appropriate follow-up measures including;
rejecting the payment entry,returning notice of the error to an account associated with the customer when the payment entry has been rejected,diverting the payment entry to a posting control system to process the payment,finishing the payment by appending the payment to the account associated with the customer, without updating objects within the account associated with the customer and issuing posting instructions to the posting control system,initiating a subsequent disposition of the payment by booking the entry into the account associated with the customer, and sending posting control instruction for posting the payment to the account of the customer to the posting control system, andbooking the payment entry to the account associated with the customer.
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Accused Products
Abstract
Method and apparatus for the computer-implemented processing of payment entries which are intended to move money in an account, wherein a payment entry is automatically checked for errors as it is received and if at least one error occurs an error sequence is decided upon from a list of error routines by means of an error routine, all the errors occurring in a given payment entry being supplied collectively to the error routine, and within the scope of the error routine the errors which have occurred are weighted and appropriate error follow-up measures are initiated depending on the results of the error weighting.
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Citations
14 Claims
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1. A computer-implemented method for processing a payment entry from a customer to a third party, comprising:
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automatically checking, by the computer, the payment entry for errors as the payment entry is received; upon detecting one or more errors with the payment entry, assigning, by the computer, a weight to each of the one or more errors; and initiating, by the computer, appropriate follow-up measures depending on the weight assigned to the one or more errors, the appropriate follow-up measures including; rejecting the payment entry, returning notice of the error to an account associated with the customer when the payment entry has been rejected, diverting the payment entry to a posting control system to process the payment, finishing the payment by appending the payment to the account associated with the customer, without updating objects within the account associated with the customer and issuing posting instructions to the posting control system, initiating a subsequent disposition of the payment by booking the entry into the account associated with the customer, and sending posting control instruction for posting the payment to the account of the customer to the posting control system, and booking the payment entry to the account associated with the customer. - View Dependent Claims (2, 3, 4)
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5. A apparatus for processing a payment entry from a customer to a third party, comprising:
a processor directed to; automatically check the payment entry for errors as the payment entry is received; upon detecting all of the errors with the payment entry, assign a weight to each of the errors; initiate appropriate follow-up measures depending on the weight assigned to each of the errors; and process the payment entry according to the initiated follow-up measure, the appropriate follow-up measures including; rejecting the payment entry, returning notice of the error to an account associated with the customer when the payment entry has been rejected, diverting the payment entry to a posting control system to process the payment, finishing the payment by appending the payment to the account associated with the customer, without updating objects within the account associated with the customer and issuing posting instructions to the posting control system, initiating a subsequent disposition of the payment by booking the entry into the account associated with the customer, and sending posting control instruction for posting the payment to the account of the customer to the posting control system, and booking the payment entry to the account associated with the customer. - View Dependent Claims (6, 7, 8)
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9. A computer-implemented method for processing an erroneous payment entry from a customer to a third party by a computer system, comprising:
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storing, by the computer, data related to a customer account in a memory system; generating, by the computer, a set of posting control rules for the customer account based on the stored data; receiving, by the computer, a payment entry, wherein the payment entry is submitted by a customer whose account data has been stored in the memory system; identifying, by the computer, all errors in the payment entry; in response to the identified errors, accessing, by the computer, the stored data and generated set of posting control rules for the customer submitting the payment entry; and executing, by the computer, a reaction to the payment entry based on the stored data, the generated set of posting control rules and the identified errors, the reaction including; rejecting the payment entry, returning notice of the error to an account associated with the customer when the payment entry has been rejected, diverting the payment entry to a posting control system to process the payment, finishing the payment by appending the payment to the account associated with the customer, without updating objects within the account associated with the customer and issuing posting instructions to the posting control system, initiating a subsequent disposition of the payment by booking the entry into the account associated with the customer, and sending posting control instruction for posting the payment to the account of the customer to the posting control system, and booking the payment entry to the account associated with the customer. - View Dependent Claims (10)
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11. A computer-implemented method for processing a payment, comprising:
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receiving, by thee computer, information corresponding to a payment from a customer to a third party and entering the received payment information in a database stored in a memory system; associating, by the computer, the entered payment information with an account corresponding to the customer; automatically checking, by the computer, the associated payment information for errors; upon detecting one or more errors with the payment information, assigning, by the computer, a weight to each of the one or more errors; and initiating appropriate follow-up measures depending on the weight assigned to the one or more errors, the appropriate follow-up measures including; rejecting the payment entry, returning notice of the error to an account associated with the customer when the payment entry has been rejected, diverting the payment entry to a posting control system to process the payment, finishing the payment by appending the payment to the account associated with the customer, without updating objects within the account associated with the customer and issuing posting instructions to the posting control system, initiating a subsequent disposition of the payment by booking the entry into the account associated with the customer, and sending posting control instruction for posting the payment to the account of the customer to the posting control system, and booking the payment entry to the account associated with the customer. - View Dependent Claims (12, 13, 14)
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Specification