Patent ID: 7970673

Claim:
A method, comprising: storing, by a computer based system for repository data maximization, payment information in a payment repository coupled to the computer based system, wherein the payment information includes bank routing numbers and transaction account codes for processed payments over a given period of time; receiving, by the computer based system, the first electronic payment enrollment request associated with a known requestor identification code from a requestor, wherein the request includes a transaction account code and a bank routing number; retrieving, by the computer based system, the bank routing number from the payment repository; and retrieving, by the computer based system, the transaction account code from the payment repository; associating, by the computer based system, bank identification information with the retrieved bank routing number from the payment repository; presenting, by the computer based system, the retrieved bank routing number, retrieved transaction account code, and the associated bank identification information to the requestor, wherein the bank routing number and transaction account code are presented for confirmation by a requestor; and providing, by the computer based system, the retrieved bank routing number and the transaction account code to a processing system for processing by automatically populating the electronic payment enrollment request with the transaction account code and the bank routing number information, wherein the electronic payment enrollment request is processed without entry of the routing number or transaction account code by the requestor.