Data processing: financial – business practice – management – or co – Automated electrical financial or business practice or... – Finance
Reexamination Certificate
2011-06-28
2011-06-28
Patel, Jagdish N (Department: 3693)
Data processing: financial, business practice, management, or co
Automated electrical financial or business practice or...
Finance
C705S039000, C705S040000, C705S042000
Reexamination Certificate
active
07970673
ABSTRACT:
A financial institution may use the bank routing and account number information (ABA/DDA) of a checking account or the like, obtained from paper checks previously submitted by a customer, in an electronic payment program. When a customer who has previously paid a credit balance by check, for example, wants to enroll in the electronic payment program, an abbreviated enrollment process is provided in which the consumer only enters a portion of bank routing information, instead of having to enter the full ABA/DDA as in the standard enrollment procedure. In some cases, the customer may leave such information blank and needs only to confirm that the stored bank account information corresponds to the account being used for the electronic payment.
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Epple Renee
Frampton Will C.
Fuller Liz A.
Grogger Andrew M.
Leyva Marcel
American Express Travel Related Services Company Inc.
Patel Jagdish N
Poe Kevin
Snell & Wilmer L.L.P.
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