Communication protocols for processing an authorization request in a distributed computing system
First Claim
1. A computing apparatus to implement a communication protocol in a computing system, comprising:
- a centralized router connected to one or more destination account controllers and one or more source account controllers, wherein the computing system has a set of readers connected to the one or more destination account controllers;
a portal having a communication connection between the portal and a reader that is connected to a destination account controller, wherein the communication connection does not go through the destination account controller controlling a destination account associated with the reader; and
a data storage storing data linking a source account identifier with a linked identifier;
wherein the portal is configured via instructions to;
receive, through the communication connection, a first authorization request identifying the source account identifier, in response to the reader obtaining the source account identifier from a mobile device;
transmit, in response to the first authorization request and based on the data stored in the data storage linking the source account identifier and the linked identifier, a second authorization request to a linked account controller controlling a linked account identified by the linked identifier, the second authorization request including the linked account identifier;
receive, from the linked account controller, a first response to the second authorization request, the first response identifying an available resource for transferring from the linked account to the destination account;
communicate, the first response to the reader to cause the reader to generate a third authorization request based on the available resource identified in the first response and transmit the third authorization request to the destination account controller via the centralized router, the third authorization request including the source account identifier and a requested resource to be transferred to the destination account; and
wherein the centralized router is configured via instructions to;
receive the third authorization request from the destination account controller;
route the third authorization request to a source account controller that controls a source account identified by the source account identifier contained in the third authorization request; and
route a second response to the third authorization request from the source account controller to the destination account controller which provides the second response to the third authorization request to the reader.
1 Assignment
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Accused Products
Abstract
Systems and methods implementing a communication protocol for the authorization of transfer of resources in a computer system having a plurality of computers, including a centralized router connecting to source account controllers and destination account controllers that are connected to readers. A reader communicates a first authorization request having a source identifier to a portal coupled with a data storage storing data linking the source identifier to a linked identifier. The portal communicates with a respective linked account controller to obtain a response identifying an available resource. Based on the response, the reader generates a further authorization request for a requested resource from a source account identified by the source identifier to a destination account associated with the reader.
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Citations
20 Claims
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1. A computing apparatus to implement a communication protocol in a computing system, comprising:
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a centralized router connected to one or more destination account controllers and one or more source account controllers, wherein the computing system has a set of readers connected to the one or more destination account controllers; a portal having a communication connection between the portal and a reader that is connected to a destination account controller, wherein the communication connection does not go through the destination account controller controlling a destination account associated with the reader; and a data storage storing data linking a source account identifier with a linked identifier; wherein the portal is configured via instructions to; receive, through the communication connection, a first authorization request identifying the source account identifier, in response to the reader obtaining the source account identifier from a mobile device; transmit, in response to the first authorization request and based on the data stored in the data storage linking the source account identifier and the linked identifier, a second authorization request to a linked account controller controlling a linked account identified by the linked identifier, the second authorization request including the linked account identifier; receive, from the linked account controller, a first response to the second authorization request, the first response identifying an available resource for transferring from the linked account to the destination account; communicate, the first response to the reader to cause the reader to generate a third authorization request based on the available resource identified in the first response and transmit the third authorization request to the destination account controller via the centralized router, the third authorization request including the source account identifier and a requested resource to be transferred to the destination account; and wherein the centralized router is configured via instructions to; receive the third authorization request from the destination account controller; route the third authorization request to a source account controller that controls a source account identified by the source account identifier contained in the third authorization request; and route a second response to the third authorization request from the source account controller to the destination account controller which provides the second response to the third authorization request to the reader. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A non-transitory computer storage medium storing instructions configured to instruct a computing apparatus in a computing system having a plurality of computers to implement a communication protocol, the communication protocol comprising:
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establishing a communication connection between a portal of the computing apparatus and a reader in the computing system, wherein the computing system includes; one or more destination account controllers; a set of readers connected to the one or more destination account controllers; one or more source account controllers; a centralized router connecting the one or more destination account controllers and the one or more source account controllers, wherein; the portal is coupled to the centralized router and a data storage storing data linking a source account identifier with a linked identifier; and the communication connection between the portal and the reader that is connected to a destination account controller in the computing system does not go through the destination account controller that controls a destination account associated with the reader; receiving, in the portal through the communication connection from the reader, a first authorization request identifying the source account identifier obtained by the reader from a mobile device; identifying, by the computing apparatus and based on the data stored in the data storage linking the source account identifier and the linked identifier, the linked identifier from the source account identifier that is received in the first authorization request; transmitting, by the portal, a second authorization request to a linked account controller controlling a linked account identified by the linked identifier, the second authorization request including the linked account identifier identified from the source account identifier provided by the first authorization request; receiving, by the portal from the linked account controller, a first response to the second authorization request, the first response identifying an available resource for transferring from the linked account to the destination account; and communicating, by the portal, the first response to the reader to cause the reader to; generate a third authorization request based on the available resource identified in the first response, and transmit the third authorization request to the destination account controller, the third authorization request including the source identifier and a requested resource to be transferred to the destination account; wherein the destination account controller transmits the third authorization request to the centralized router, causing the centralized router to; route, the third authorization request to a source account controller that controls a source account identified by the source identifier contained in the third authorization request; and route, by the centralized router, a second response to the third authorization request from the source account controller to the destination account controller which provides the second response to the third authorization request to the reader.
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11. A method for a computing apparatus to implement a communication protocol a computing system, the method comprising:
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establishing a communication connection between a portal of the computing apparatus and a reader in the computing system, wherein the computing system includes; one or more destination account controllers; a set of readers connected to the one or more destination account controllers; one or more source account controllers; a centralized router connecting the one or more destination account controllers and the one or more source account controllers, wherein; the portal is coupled to the centralized router and a data storage storing data linking a source account identifier with a linked identifier; and the communication connection between the portal and the reader that is connected to a destination account controller in the computing system does not go through the destination account controller that controls a destination account associated with the reader; receiving, in the portal through the communication connection from the reader, a first authorization request identifying the source account identifier obtained by the reader from a mobile device; identifying, by the computing apparatus and based on the data stored in the data storage linking the source account identifier and the linked identifier, the linked identifier from the source account identifier that is received in the first authorization request; transmitting, by the portal, a second authorization request to a linked account controller controlling a linked account identified by the linked identifier, the second authorization request including the linked account identifier identified from the source account identifier provided by the first authorization request; receiving, by the portal from the linked account controller, a first response to the second authorization request, the first response identifying an available resource for transferring from the linked account to the destination account; and communicating, by the portal, the first response to the reader to cause the reader to; generate a third authorization request based on the available resource identified in the first response, and transmit the third authorization request to the destination account controller, the third authorization request including the source account identifier and a requested resource to be transferred to the destination account; wherein the destination account controller transmits the third authorization request to the centralized router, causing the centralized router to; route, the third authorization request to a source account controller that controls a source account identified by the source identifier contained in the third authorization request; and route, by the centralized router, a second response to the third authorization request from the source account controller to the destination account controller which provides the second response to the third authorization request to the reader. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification