Designing breach settlement payee correction and beneficiary update UI in Figma: BENE-UPD-*, ADDR-CORR-*, and reissue-safe gates

Quick answer

Payee correction UI lets claimants fix wrong bank details or mailing addresses without creating a duplicate claim or a second accidental payment. Design BENE-UPD- change requests* that attach to CLM-* and the latest PAY-* (or open RET-), ADDR-CORR- address validation with saved addresses reuse, IDV step-up before showing full account numbers, and dual approval when ops edits payee data on behalf of a caller. Block export until BENE-UPD-* is approved or supersede with void when a bad PAY-* already left the building. Sync the status portal to “update received—reissue pending” and route settled-but-wrong cases through returned payment or foreign claimant rails. Start from the Figma guides hub and pair with forms, file upload, and Dev Mode handoff.

---

Who this is for

• Product designers on claimant portals where typos in routing numbers drive RET-* volume.
• Settlement administrators reconciling BENE-UPD-* queues with NACHA export batches.
• Class counsel who need LOG-BENE-* evidence before approving a payee change tied to fraud holds.

---

BENE-UPD-* state machine

BeneficiaryUpdate — BENE-UPD-992-12044 · clm_id: CLM-992-44102 · pay_id: PAY-992-22014
├── Triggers:
│   ├── Claimant self-service (portal) after RET-* or deficiency cure
│   ├── Agent-initiated from [INQ-PAY-*](/designing-breach-settlement-payment-inquiry-and-where-is-my-payment-ui-in-figma/)
│   ├── Ops correction before first export (no PAY-* yet)
│   └── Counsel-directed fix after [QA FIND-*](/designing-breach-settlement-post-disbursement-qa-and-audit-sampling-ui-in-figma/)
├── ID namespace:
│   ├── BENE-UPD-* (change request)
│   ├── ADDR-CORR-* (normalized address snapshot)
│   ├── VAL-BANK-* (micro-deposit or instant validation result)
│   ├── APR-BENE-* (approval)
│   ├── LOG-BENE-* (immutable audit)
│   └── BLOCK-EXPORT-* (hold on WAVE-* until resolved)
├── Rails:
│   ├── ACH — routing + account · account_type_enum
│   ├── Check — ADDR-CORR-* only · deliverability flags
│   ├── Wire — beneficiary bank SWIFT · intermediary optional
│   └── International — link [foreign claimant](/designing-breach-settlement-foreign-claimant-and-international-payment-ui-in-figma/) W-8/W-9 branch
└── Outcomes:
    ├── Approved → new PAY-* or amend pending export row
    ├── Rejected → deficiency notice · link [deficiency cure](/designing-breach-settlement-deficiency-notice-and-claim-cure-ui-in-figma/)
    ├── Superseded → newer BENE-UPD-* wins
    └── Fraud review → FRD-* hold · no account preview to agent

PAY-* stage	Allowed correction	UI emphasis
No PAY- yet*	Full payee replace	Inline on claim intake
Pre-export	Edit export row	BLOCK-EXPORT-* banner on batch
In transit	Recall path first	Link RECALL-*
RET- open*	BENE-UPD-* → reissue	Reissue wizard
SETTLED	No silent edit	CLAW-* or legal recovery only

Verdict: One active BENE-UPD- per open payment leg*—prevents parallel conflicting account numbers.

---

Claimant vs admin correction consoles

ClaimantPayeeWizard — BENE-UPD-4412 · Source: portal · IDV: passed
├── Steps:
│   ├── Confirm identity ([step-up](/designing-breach-settlement-claimant-identity-reverification-and-step-up-ui-in-figma/))
│   ├── Select rail (read-only if court plan fixed)
│   ├── Enter payee · mask on blur · show last-4 only in summary
│   ├── Upload voided check or bank letter (optional DOC-BENE-*)
│   ├── Review + e-sign acknowledgment
│   └── Submit → pending APR-BENE-*
├── AdminPayeeEditor — BENE-UPD-992-12045 · Source: call center
│   ├── Read-only CLM-* + PAY-* timeline (same as WIMP-*)
│   ├── Typed reason_enum + call recording id CAL-*
│   ├── Side-by-side diff: old payee vs proposed (redacted)
│   ├── Dual approval for agent-entered account numbers
│   └── Cannot bypass FRD-* or [lien offset](/designing-breach-settlement-lien-and-third-party-creditor-offset-ui-in-figma/) holds
└── Validation UX:
    ├── VAL-BANK-* spinner · retry · fallback manual review
    ├── ADDR-CORR-* USPS-style suggestions · [combobox](/designing-combobox-and-autocomplete-ui-in-figma/) for city/state
    └── International: IBAN checksum inline error

Use progress steppers on the claimant wizard and modals for “this will delay your payment” when BLOCK-EXPORT-* applies.

---

Comparison: self-service vs agent-entered payee change

Dimension	Claimant self-service	Agent-entered
IDV	Required every session	Call PIN + OTP
Approval	Auto if VAL-BANK-* pass	Always dual APR-BENE-*
Audit	LOG-BENE-* + IP	LOG-BENE-* + CAL-* + agent id
Risk	Phishing	Social engineering
Best for	RET-* after mail return	Elderly claimants · wire fixes

Best for: ACH reissue waves where proof of payment must reference the corrected REMIT-ADV-*.

---

Handoff checklist (Dev Mode)

• BeneficiaryUpdate — bene_upd_id (BENE-UPD-*), clm_id, pay_id, rail_enum, status_enum, submitted_at.
• AddressCorrection — addr_corr_id (ADDR-CORR-*), normalized lines, validation_status_enum.
• BankValidation — val_bank_id (VAL-BANK-*), result_enum, failure_code.
• BeneficiaryApproval — apr_bene_id (APR-BENE-*), bene_upd_id, approver_role_enum.
• ExportBlock — block_id (BLOCK-EXPORT-*), wave_id, lifted_at.

---

Common mistakes

Mistake	Why it hurts	Fix
Edit payee without void/recall	Double pay	Enforce PAY-* state machine
Show full account to agents	PCI-style exposure	Last-4 + reveal with audit
Multiple open BENE-UPD-*	Wrong export row	Single active request rule
Skip IDV on self-service	Account takeover	Step-up on every change
Approve without VAL-BANK-*	New RET-* wave	Block APR-BENE-*
Portal still shows old address	Support churn	Status sync job
Ignore deceased claimant	Wrong legal payee	Route to heir workflow
No LOG-BENE-* on auto-approve	Auditor gap	Compliance export

---

Recommended workflow

1. Map court plan rules for which rails and payee types are allowed per subclass.
2. Prototype claimant wizard with redaction and VAL-BANK-* states.
3. Design admin diff view aligned with call center scripts.
4. Connect BLOCK-EXPORT- to NACHA preview* so ops cannot submit stale rows.
5. Test messaging with payment inquiry and timeline components.

---

FAQ

BENE-UPD-* vs claim amendment?

Amendments change award facts · BENE-UPD-* changes delivery destination only.

Minor or guardian payee?

Lock account fields · require guardian APR-BENE-* · show guardian name on REMIT-ADV-*.

Payee change after tax 1099 issued?

Flag TAX-ADJ- admin task* · do not promise automatic IRS correction in UI.

Lien holder demands different payee?

Route to lien offset · BENE-UPD-* may be blocked by Lien-* hold.

Can claimant pick wire instead of ACH?

Only if plan + distribution schedule allow · show fee disclosure.

---

Next steps

• Design breach settlement returned payment and reissue UI in Figma — post-RET-* payee fix
• Design breach settlement payment re-export and batch correction UI in Figma — WAVE-* fixes after BENE-UPD-*
• Design breach settlement stop payment, void, and in-flight recall UI in Figma — in-flight corrections
• Design breach settlement foreign claimant and international payment UI in Figma — cross-border payee rules
• Design saved addresses and address book UI in Figma — reusable ADDR-CORR-* patterns