American Express Travel Related Services Company, Inc.

Will C Frampton

Marcel Leyva

Joya A Mukherjee

Liz A Fuller

Andrew M Grogger

Sally L Niblock

Renee Epple

Martin J Preciado

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.

Method, apparatus, and computer program product for repository data maximization

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Scottsdale, AZ, United States of America

Will C Frampton