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Message handling at a mobile gateway for managing data structures and sub-structures

  • US 10,332,119 B2
  • Filed: 09/18/2015
  • Issued: 06/25/2019
  • Est. Priority Date: 09/18/2014
  • Status: Active Grant
First Claim
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1. A method for managing transactions conducted at a mobile device, comprising:

  • creating, at a memory device in a transaction processing system, multiple data structures associated with the mobile device user, the data structures including a first data structure representing a main account of the user and a second data structure representing a sub account of the user,the first data structure including at least;

    (1) a first internal account ID identifying the main account, (2) a separate primary account number (PAN) identifying the main account that is provided to the user for accessing the main account, (3) a second internal account ID identifying the sub account, and (4) main account ledger data,the second data structure including at least (1) the second internal account ID identifying the sub account, and (2) sub account ledger data, the sub account accessed by the second internal account ID and not known to the user, with the sub account thereby not being accessible to the user when accessing the main account,the first internal account ID and the second internal account ID used to link the main account and the sub account and used in performing an automatic funds transfer transaction;

    at a processor in the transaction processing system, managing an automatic funds transfer transaction from the main account to the sub account, by;

    receiving, from the mobile device associated with the user, a request to automatically transfer funds from the main account to the sub account, after a specified triggering transaction has been posted to the main account, wherein transactions posted to the main account each have an associated transaction type code;

    determining, from the request, a predetermined transaction type associated with the specified triggering transaction;

    thereafter, evaluating a transaction message received at the transaction processing system for each transaction posted to the main account, to identify a transaction type code associated with the predetermined transaction type;

    upon receiving a transaction at the main account having the predetermined transaction type associated with the specified triggering transaction, based at least in part on the identified transaction type code, immediately performing the automatic funds transfer from the main account to the sub account, rather than at the end of a day, using the first and second data structures; and

    sending notification to the user that the automatic funds transfer from the main account to the sub account has occurred.

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