As a sanity check it's awful flow, though. If we're willing to deal with the 'wardialing account numbers' factor, I think the right flow is "enter account numb

As a sanity check it's awful flow, though. If we're willing to deal with the 'wardialing account numbers' factor, I think the right flow is "enter account number, SHOW associated name, and make customer confirm it (i. e. by transcribing it off the screen if it's a huge transfer, or just click "Yes, I meant to send to Scamco Ltd.") That avoids the usability nightmare of "the name on file is wrong but not in a guessable way." I have pretty close to the simplest case for Western-style names-- no middle name, no hyphenation, no suffix or odd prefix, short, common first name, dictionary word last name. The number of times it gets recorded wrong is unbelievable.