Claims
- 1. A computer-readable medium for storing data for access by an application program being executed on a data processing system resident at a trusted third party that has been supplied with confidential information of customers of at least one participating institution, said medium comprising:a data structure stored in said computer-readable medium, said data structure including information resident in a database used by said application program and comprising: a plurality of descriptors, each descriptor including a set of indicia identifying name, address, and the confidential information for one of the customers of the at least one participating institution, and a universal identifier uniquely identifying the one customer.
- 2. A computer-readable medium according to claim 1, wherein the database of descriptors is structured so as to eliminate any descriptors whose set of indicia constitutes a subset of the set of indicia of any other descriptor, in order to ensure uniqueness of descriptors.
- 3. A computer-readable medium according to claim 1, wherein the database is structured to minimize the possibility that any one descriptor will be confused with any other descriptor by using distance functions to require a minimal distance between the sets of indicia included in respective descriptors.
- 4. A computer-readable medium according to claim 1, wherein the database is structured to minimize the possibility that similar sounding name and address information does not encode to a same descriptor by using phonetic encoding techniques in preparation of the database.
- 5. A computer-readable medium according to claim 1, wherein the confidential information comprises routing/transit number and account number information associated with each customer.
Parent Case Info
This application is a division of application Ser. No. 09/066,702, filed Apr. 27, 1998.
US Referenced Citations (17)
Non-Patent Literature Citations (3)
Entry |
Nyach Systems And Operations Manual, Appendix B ACH Record formats, New York Clearing House, New York, NY. |
Chips Systems And Operations Manual, X. Name And Address File Maintenance, pp. 1-207. New York Clearing House, New York, NY. |
1998 ACH Rules, published by the National Automated Clearing House Association, Herndon VA. *Whole Document*. |