US 12,288,210 B2
Systems and methods for account processing validation
Amy Christine Milam, Wentzville, MO (US); Stephen J. Klaus, Clayton, MO (US); Allen Russell Thompson, Florissant, MO (US); and Richard G. Ampleman, Florissant, MO (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by Mastercard International Incorporated, Purchase, NY (US)
Filed on Jun. 17, 2019, as Appl. No. 16/443,270.
Application 16/443,270 is a continuation of application No. 14/316,240, filed on Jun. 26, 2014, granted, now 10,325,258.
Claims priority of provisional application 61/842,814, filed on Jul. 3, 2013.
Prior Publication US 2019/0303930 A1, Oct. 3, 2019
Int. Cl. G06Q 40/08 (2012.01); G01P 3/00 (2006.01); G01P 15/00 (2006.01); G06Q 20/10 (2012.01); G06Q 20/40 (2012.01); G16H 10/60 (2018.01); H04W 4/02 (2018.01)
CPC G06Q 20/40 (2013.01) [G06Q 20/102 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A computer system for validating data integrity of an account validation web request associated with a customer account before the customer account is used to make an electronic payment to pay a bill over a bill payment network, the bill payment network including a bill payment originator computing device in communication with a plurality of biller computing devices, the computer system comprising a host computing device in communication with the bill payment originator computing device over an account validation network, the host computing device having a processor in communication with a memory device, the host computing device configured to:
host one or more of a plurality of validation web services compatible with a hypertext transfer protocol (HTTP);
store, within the memory device, a plurality of validation rules associated with a plurality of biller identifiers, each of the biller identifiers identifying one of the plurality of biller computing devices;
execute a specific validation web service of the one or more validation web services to receive the account validation web request as a secure hypertext transfer protocol (HTTP) request from the bill payment originator computing device, wherein the secure HTTP request includes data components associated with account details, a data reference to the specific validation web service, and at least one of digital signatures or virtual security keys;
parse, by executing the specific validation web service, the secure HTTP request to identify a first biller identifier of the plurality of biller identifiers from the data components;
retrieve, from a database, the validation rules associated with the first biller identifier;
validate, by executing the specific validation web service, data integrity of the data components by applying the retrieved validation rules to the data components, wherein the validation rules include (i) a check digit routine, (ii) a biller account mask comparison, (iii) a stop file service, and (iv) a line-of-business category comparison; and
in response to validating the data integrity of the data components, transmit, by executing the specific validation web service, an account validation web response as a secure HTTP response to the bill payment originator computing device, wherein the secure HTTP response includes an indicator of the data integrity of the data components associated with the account details based upon the application of the retrieved validation rules to the data components, wherein validating the data integrity of the data components includes detection of errors and corruption of data in the account validation web request thereby reducing the transmission of defective account validation web requests over the bill payment network and increasing the overall bandwidth and processing speed of the bill payment network.