Systems and methods of using a communication network to coordinate processing among a plurality of separate computing systems

• US 10,438,226 B2
• Filed: 07/20/2015
• Issued: 10/08/2019
• Est. Priority Date: 07/23/2014
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Kim, Nancy L.
• Primary Examiner(s): Refai, Sam
• Application Number:
  US14/803,972
• Publication Number:
  US 20160027034A1
• Time in Patent Office: 1,541 Days
• Field of Search: 705 141- 1473
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/387 Payment using discounts or coupons relating to marketing G06Q30/02
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0207 Discounts or incentives, e.g. coupons or rebates
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: H04L 47/70 Admission control; Resource allocation

Abstract

A communication portal coupled with a processing system and a host having a first resource. The processing system has a second resource addressable by a terminal using a predetermined communication protocol. The communication portal receives a first communication from a terminal identifying the first resource. In response, the communication portal identifies the second resource, stores a data record associating the first resource and the second resource, and provides a response to the first communication to identify the second resource. The terminal then uses the communication protocol adapted for the second resource as a way to request an operation on the first resource. The portal communicates with the processing system to identify a request for an operation on the second resource and in response, communicates with the host to perform a second operation on the first resource based on the stored data record associating the first resource and the second resource.

Claims

1. A method, comprising:

providing a communication portal having

a first communication link with a processing system, the first communication link configured to implement a predetermined communication protocol for directly addressing the processing system, and

a second communication link with a host having a first resource, the host configured to be not directly addressable via the predetermined communication protocol;

receiving, in the communication portal, a first communication from a terminal coupled with the processing system, the first communication

identifying the first resource, and

being received from the terminal and in the communication portal without going through the processing system;

identifying, by the communication portal, a second resource addressable by the processing system via the predetermined communication protocol;

storing, by the communication portal, a data record associating the first resource and the second resource;

providing, by the communication portal, a response to the first communication to identify the second resource, wherein the terminal is configured to provide a second communication to the processing system using the predetermined communication protocol adapted for the second resource as a way to request an operation on the first resource;

communicating, by the communication portal with the processing system, to identify a request for a first operation on the second resource communicated to the processing system by the terminal using the predetermined communication protocol adapted for the second resource; and

in response to the request and in accordance with the data record associating the first resource and the second resource, communicating by the communication portal with the host of the first resource to perform a second operation on the first resource,

wherein the first resource includes a reward account, and

wherein the second resource includes an issuer designated financial account.

2. The method of claim 1, wherein the processing system includes an electronic payment processing network having a transaction handler interconnecting a plurality of acquirer processors and a plurality of issuer processors;

and the communication portal is coupled with the transaction handler to receive a notification of the request.

3. The method of claim 1, wherein the request for the first operation on the second resource includes an authorization request transmitted via the electronic payment processing network for a payment made using the issuer designated financial account.

4. The method of claim 3, wherein the second operation on the first resource includes redemption of reward benefits from the reward account to fund the issuer designated financial account for the payment requested by the authorization request.

5. The method of claim 4, wherein the first communication from the terminal to the communication portal includes a request for a balance of the reward account.

6. The method of claim 5, wherein the response to the first communication includes the balance, in addition to an identification of the issuer designated financial account.

7. The method of claim 6, wherein the response further includes an exchange rate between a financial currency of the issuer designated account and the reward benefits in the reward account.

8. The method of claim 7, further comprising:

periodically communicating with an issuer of the issuer designated account and the host to settle funds for payments made in the issuer designated account using redeemed rewards controlled by the host.

9. A non-transitory computer storage media storing instructions configured to instruct a computing apparatus to perform a method, the method comprising:

providing a communication portal having

a first communication link with a processing system, the first communication link configured to implement a predetermined communication protocol for directly addressing the processing system, and

a second communication link with a host having a first resource, the host configured to be not directly addressable via the predetermined communication protocol;

receiving, in the communication portal, a first communication from a terminal coupled with the processing system, the first communication

identifying the first resource, and

being received from the terminal and in the communication portal without going through the processing system;

identifying, by the communication portal, a second resource addressable by the processing system via the predetermined communication protocol;

storing, by the communication portal, a data record associating the first resource and the second resource;

providing, by the communication portal, a response to the first communication to identify the second resource, wherein the terminal is configured to provide a second communication to the processing system using the predetermined communication protocol adapted for the second resource as a way to request an operation on the first resource;

communicating, by the communication portal with the processing system, to identify a request for a first operation on the second resource communicated to the processing system by the terminal using the predetermined communication protocol adapted for the second resource; and

in response to the request and in accordance with the data record associating the first resource and the second resource, communicating by the communication portal with the host of the first resource to perform a second operation on the first resource,

wherein the first resource includes a reward account, and

wherein the second resource includes an issuer designated financial account.

10. The non-transitory computer storage media of claim 9, wherein the processing system includes an electronic payment processing network having a transaction handler interconnecting a plurality of acquirer processors and a plurality of issuer processors;

and the communication portal is coupled with the transaction handler to receive a notification of the request.

11. The non-transitory computer storage of claim 10, wherein the request for the first operation on the second resource includes an authorization request transmitted via the electronic payment processing network for a payment made using the issuer designated financial account;

and the second operation on the first resource includes redemption of reward benefits from the reward account to fund the issuer designated financial account for the payment requested by the authorization request.

12. The non-transitory computer storage of claim 11, wherein the first communication from the terminal to the communication portal includes a request for a balance of the reward account;

and the response to the first communication includes the balance, in addition to an identification of the issuer designated financial account.

13. A computing apparatus, comprising:

at least one network interface;

at least one microprocessor; and

a memory storing instructions configured to instruct the at least one microprocessor and the at least one network interface to perform operations including;

providing a communication portal having

a first communication link with a processing system, the first communication link configured to implement a predetermined communication protocol for directly addressing the processing system, and

a second communication link with a host having a first resource, the host configured to be not directly addressable via the predetermined communication protocol;

receiving, in the communication portal, a first communication from a terminal coupled with the processing system, the first communication

identifying the first resource, and

being received from the terminal and in the communication portal without going through the processing system;

identifying, by the communication portal, a second resource addressable by the processing system via the predetermined communication protocol;

storing, by the communication portal, a data record associating the first resource and the second resource;

providing, by the communication portal, a response to the first communication to identify the second resource, wherein the terminal is configured to provide a second communication to the processing system using the predetermined communication protocol adapted for the second resource as a way to request an operation on the first resource;

communicating, by the communication portal with the processing system, to identify a request for a first operation on the second resource communicated to the processing system by the terminal using the predetermined communication protocol adapted for the second resource; and

in response to the request and in accordance with the data record associating the first resource and the second resource, communicating by the communication portal with the host of the first resource to perform a second operation on the first resource

wherein the first resource includes a reward account, and

wherein the second resource includes an issuer designated financial account.

14. The computing apparatus of claim 13, wherein the processing system includes an electronic payment processing network having a transaction handler interconnecting a plurality of acquirer processors and a plurality of issuer processors;

and the communication portal is coupled with the transaction handler to receive a notification of the request.

15. The computing apparatus of claim 13, wherein the request for the first operation on the second resource includes an authorization request transmitted via the electronic payment processing network for a payment made using the issuer designated financial account.

16. The computing apparatus of claim 15, wherein the second operation on the first resource includes redemption of reward benefits from the reward account to fund the issuer designated financial account for the payment requested by the authorization request.

17. The computing apparatus of claim 16, wherein the first communication from the terminal to the communication portal includes a request for a balance of the reward account.

18. The computing apparatus of claim 17, wherein the response to the first communication includes the balance, in addition to an identification of the issuer designated financial account.