Wells Fargo Bank, N.a.

Remo DeLeon

Peter Rozovski

Sabitha Dachepalli

Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers to search locally stored payee databases on their mobile devices for payee information. The cached version of the payee database is updated with updated payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.

Global cache tool systems and methods for adding new payees

Systems and methods for preparing payment requests via cached payee information databases are described. The cached payee database system allows customers of a financial institution to search locally stored payee databases on their mobile devices for payee information. The cache version of the payee database is periodically updated with new and corrected payee information. The cached database system can perform payee searches on a character-by-character basis in real time with minimal delays between searches.

Systems and methods for processing payment requests via a series of matching operations are described. Rules that compensate for incomplete or inaccurate information are applied to customer requests and stored merchant information to create identifiers, or 'tokens.' Tokens can be searched for, compared, and matched with confirmed merchant information, allowing for the identification of merchants known to financial institutions despite erroneous or missing information in the customer request.

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American Canyon, CA, United States of America

Remo DeLeon