Extended ACH and Check Prescreen

This service is used to reduce ACH/check fraud and returns by processing a submitted Routing and Account Number against an extended network of ACH/check databases containing positive and negative ACH/check writing history. It is used to validate that an account is open and in good standing, while also returning information about critical account and transaction attributes such as account holder name, driver's license number format and more.
User credentialing is required for access.

本服务通过将用户提交的路由编号（Routing Number）与账户号码（Account Number），与收录正向及反向自动清算中心（ACH）/支票交易历史的扩展数据库网络进行比对校验，以降低自动清算中心/支票欺诈及退票风险。本服务可验证账户处于正常开立且资信良好的状态，同时返回账户与交易的关键属性信息，例如账户持有人姓名、驾驶证号码格式等。访问本服务需完成用户凭据验证。

搜集汇总

背景与挑战

背景概述

该服务通过处理提交的路由和账户号码，利用扩展的ACH/支票数据库网络来减少欺诈和退回，验证账户是否开放且状态良好。它还能返回账户持有人姓名、驾照号码格式等关键属性信息，访问需用户凭证。