Thomas G Cain

US Patent:

7175074, Feb 13, 2007

Filed:

Aug 25, 2004

Appl. No.:

10/925592

Inventors:

Brian Mejias - Howard Beach NY, US
Thomas G. Cain - West Haven CT, US
Garret English - Stormville NY, US
Leonard DeCaro - Ansonia CT, US

Assignee:

CheckFree Services Corporation - Norcross GA

International Classification:

G07F 19/00

US Classification:

235379, 235380, 235382, 705 49

Abstract:

Methods according to the invention include accepting e-check data input from a payer, parsing the data to determine the bank routing number and the ostensible checking account number, determining the correct number of checking account digits based on the bank routing number, determining whether the ostensible checking account number has the correct number of digits, and prompting the payer to re-enter the checking account number with the correct number of digits if necessary. In addition, the methods include automatically pre-pending and/or appending zero digits where necessary to correct the number of digits in the checking account number. In cases where the payer includes the check number as part of the account number, the methods include removing the check number from the account number by prompting the payer to enter the check number so that it can be deleted from the account number. The methods also reduce NSF returns by comparing account numbers to a negative list to determine whether the account has a history of NSF returns and by automatically re-presenting NSF returns on the next four business days following the return.

US Patent:

20070131758, Jun 14, 2007

Filed:

Feb 12, 2007

Appl. No.:

11/673783

Inventors:

Brian Mejias - Howard Beach NY, US
Thomas Cain - West Haven CT, US
Garret English - Stormville NY, US
Leonard DeCaro - Ansonia CT, US

Assignee:

CHECKFREE CORPORATION - Norcross GA

International Classification:

G07F 19/00
G06Q 40/00

US Classification:

235379000, 705039000, 705045000

Abstract:

Methods and systems for receiving account data, where the account data includes an account number that is compared to a previously submitted account number where the previously submitted account number is associated with a successful payment. It is then determined if there is a likely match between the account number and the previously submitted account number by performing at least one of several fuzzy logic techniques. Upon determining that the likely match exists the parsed account number is automatically replaced with the previously submitted account number.