Computer-based system for automatic repair of transaction information

1. A method comprising:

receiving, by a computing device, an electronic financial transaction data file including a plurality of electronic financial transactions, wherein the electronic financial transaction data file comprises a data file formatted for an automated clearing house;

determining, by the computing device executing a first bot, that processing of at least one electronic financial transaction of the plurality of electronic financial transactions has failed due to an error in transaction information of the at least one electronic financial transaction;

identifying, by the computing device executing a second bot, at least one financial account including identification information that partially matches identification information included in the transaction information of the at least one electronic financial transaction;

repairing, by the computing device executing the first bot, the error in the transaction information of the at least one electronic financial transaction based on information associated with the at least one financial account;

repairing, by the computing device executing the second bot, the identification information based on identification information included in the information associated with the at least one financial account, wherein the first bot repairs the transaction information in parallel with the second bot repairing the identification information;

processing, by the computing device, the at least one electronic financial transaction based on the repaired transaction information of the at least one electronic financial transaction; and

outputting a notification that the failed electronic financial transaction is repaired and details of the repair.

2. The method of claim 1 , wherein the identification information included in the transaction information of the at least one electronic financial transaction is one of a social security number or a tax identification number.

3. The method of claim 1 , wherein the error in the transaction information is one of a transposition of one or more digits, a mismatched digit, or a missing digit in one of an account number or a routing number.

4. The method of claim 1 , wherein identifying the at least one financial account comprises determining a match between one of a first six digits, a middle six digits, or a last six digits of an account number or a routing number included in the transaction information of the at least one electronic financial transaction and a corresponding one of a first six digits, a middle six digits, or a last six digits of an account number or a routing number of the financial account.

5. The method of claim 1 , wherein repairing the error in the transaction information of the at least one electronic financial transaction comprises replacing at least one of a transposed, missing, or mismatched number included in the transaction information of the at least one electronic financial transaction with a number included in the information associated with the at least one financial account.

6. The method of claim 1 , wherein repairing the error in the transaction information comprises executing at least one business rule, wherein executing the at least one business rule comprises:

if a single financial account includes identification information that matches the identification information included in the transaction information of the at least one electronic financial transaction, determining a match between a predetermined number of digits of at least a portion of an account number or a routing number included in the transaction information of the at least one electronic financial transaction and at least a portion of an account number or a routing number of the single financial account; and

repairing the account number or the routing number included in the transaction information of the at least one electronic financial transaction to be the account number or the routing number of the single financial account.

7. The method of claim 1 , wherein repairing the error in the transaction information comprises executing at least one business rule, wherein executing at least one business rule comprises:

if two or more financial accounts each includes identification information that matches the identification information included in the transaction information of the at least one electronic financial transaction, determining a match between a predetermined number of digits of at least a portion of an account number or a routing number included in the transaction information of the at least one electronic financial transaction and at least a portion of each of two or more account numbers or two or more routing numbers of each of the two or more financial accounts;

determining which one of the two or more account number or two or more routing numbers of the two or more financial accounts is the closest match to the account number or the routing number included in the transaction information of the at least one electronic financial transaction; and

repairing the account number or the routing number included in the transaction information of the at least one electronic financial transaction to be the account number or the routing number of the one of the two or more account numbers or two or more routings numbers that is the closest match.

8. The method of claim 1 , wherein repairing the error in the transaction information comprises executing at least one business rule, wherein executing at least one business rule comprises:

if a financial account includes identification information that matches the identification information included in the transaction information of the at least one electronic financial transaction and is closed, determining a new financial account to which the financial account was transferred; and

repairing the account number or the routing number included in the transaction information of the at least one electronic financial transaction to be the account number or the routing number of the new financial account.

9. The method of claim 1 ,

wherein identifying the at least one financial account comprises determining a match between one of a first six digits, a middle six digits, or a last six digits of an account number or a routing number included in the transaction information of the at least one electronic financial transaction and a corresponding one of a first six digits, a middle six digits, or a last six digits of an account number or a routing number of the financial account; and

wherein repairing the identification information comprises, upon determining the match between the one of the first six digits, the middle six digits, or the last six digits of the account number or the routing number included in the transaction information of the at least one electronic financial transaction and the corresponding one of the first six digits, the middle six digits, or the last six digits of the account number or the routing number of the financial account, repairing the identification information based on the identification information included in the information associated with the at least one financial account.

10. The method of claim 1 , wherein the formatting of the data file formatted for an automated clearing house comprises a National Automated Clearinghouse Association format.

11. A system comprising:

a database including a plurality of financial accounts;

a memory; and

one or more processors in communication with the database and the memory, the one or more processors configured to execute a first bot and a second bot to:

receive an electronic financial transaction data file including a plurality of electronic financial transactions, wherein the electronic financial transaction data file comprises a data file formatted for an automated clearing house;

determine, via the first bot, that processing of at least one electronic financial transaction of the plurality of electronic financial transactions has failed due to an error in transaction information of the at least one electronic financial transaction;

identify, via the second bot, at least one financial account in the database including identification information that partially matches identification information included in the transaction information of the at least one electronic financial transaction;

repair, via the first bot, the error in the transaction information of the at least one electronic financial transaction based on information associated with the at least one financial account;

repair, via the second bot, the identification information based on identification information included in the information associated with the at least one financial account, wherein the first bot repairs the transaction information in parallel with the second bot repairing the identification information;

send the repaired at least one electronic financial transaction to an electronic financial transaction processing queue; and

output a notification that the failed electronic financial transaction is repaired and details of the repair.

12. The system of claim 11 , wherein the identification information included in the transaction information of the at least one electronic financial transaction is one of a social security number or a tax identification number.

13. The system of claim 11 , wherein the error in the transaction information is one of a transposition of one or more digits, a mismatched digit, or a missing digit in one of an account number or a routing number.

14. The system of claim 11 , wherein identifying the at least one financial account comprises determining a match between one of a first six digits, a middle six digits, or a last six digits of an account number or a routing number included in the transaction information of the at least one electronic financial transaction and a corresponding one of a first six digits, a middle six digits, or a last six digits of an account number or a routing number of the financial account.

15. The system of claim 11 , wherein repairing the error in the transaction information of the at least one electronic financial transaction comprises replacing at least one of a transposed, missing, or mismatched number included in the transaction information of the at least one electronic financial transaction with a number included in the information associated with the at least one financial account.

16. The system of claim 11 , wherein repairing the error comprises:

if a single financial account includes identification information that matches the identification information included in the transaction information of the at least one electronic financial transaction, determine a match between a predetermined number of digits of at least a portion of an account number or a routing number included in the transaction information of the at least one electronic financial transaction and at least a portion of an account number or a routing number of the single financial account; and

repair the account number or the routing number included in the transaction information of the at least one electronic financial transaction to be the account number or the routing number of the single financial account.

17. The system of claim 11 , wherein repairing the error comprises:

if two or more financial accounts each includes identification information that matches the identification information included in the transaction information of the at least one electronic financial transaction, determine a match between a predetermined number of digits of at least a portion of an account number or a routing number included in the transaction information of the at least one electronic financial transaction and at least a portion of each of two or more account numbers or two or more routing numbers of each of the two or more financial accounts;

determine which one of the two or more account number or two or more routing numbers of the two or more financial accounts is the closest match to the account number or the routing number included in the transaction information of the at least one electronic financial transaction; and

repair the account number or the routing number included in the transaction information of the at least one electronic financial transaction to be the account number or the routing number of the one of the two or more account numbers or two or more routings numbers that is the closest match.

18. The system of claim 11 , wherein repairing the error comprises:

if a financial account includes identification information that matches the identification information included in the transaction information of the at least one electronic financial transaction and is closed, determine a new financial account to which the financial account was transferred; and

repair the account number or the routing number included in the transaction information of the at least one electronic financial transaction to be the account number or the routing number of the new financial account.

19. A non-transitory computer readable medium comprising instructions that when executed cause one or more processors executing a first bot and second bot to:

receive an electronic financial transaction data file including a plurality of electronic financial transactions, wherein the electronic financial transaction data file comprises a data file formatted for an automated clearing house;

determine, via the first bot, that processing of at least one electronic financial transaction of the plurality of electronic financial transactions has failed due to an error in transaction information of the at least one electronic financial transaction;

identify, via the second bot, at least one financial account including identification information that partially matches identification information included in the transaction information of the at least one electronic financial transaction;

repair, via the first bot, the error in the transaction information of the at least one electronic financial transaction based on information associated with the at least one financial account, wherein to repair the error;

repair, via the second bot, the identification information based on identification information included in the information associated with the at least one financial account, wherein the first bot repairs the transaction information in parallel with the second bot repairing the identification information;

process the at least one electronic financial transaction based on the repaired transaction information of the at least one electronic financial transaction; and

output a notification that the failed electronic financial transaction is repaired and details of the repair.