Electronic bill pay and bill presentment account number treatment system and method
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United States of America Patent
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Nov 12, 2019
Grant Date -
Jan 17, 2013
app pub date -
Sep 14, 2012
filing date -
Jan 28, 2005
priority date (Note) -
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status (Latency Note)
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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.
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