Method for performing transactional communication using a universal transaction account identifier assigned to a customer

• US 9,043,246 B2
• Filed: 08/25/2014
• Issued: 05/26/2015
• Est. Priority Date: 10/24/2001
• Status: Expired due to Term

• Current Assignee: Oleg Serebrennikov
• Original Assignee: Oleg Serebrennikov
• Inventors: Serebrennikov, Oleg
• Primary Examiner(s): Ravetti, Dante
• Application Number:
  US14/468,093
• Publication Number:
  US 20150052056A1
• Time in Patent Office: 274 Days
• Field of Search: 705/16, 705/21, 705/59, 705/71, 380/44, 380/262, 380/278, 380/279
• US Class Current: 705/75
• CPC Class Codes: G06F 16/951 Indexing; Web crawling techniques
• CPC Class Codes: G06F 16/9566 URL specific, e.g. using aliases, detecting broken or misspelled links
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: H04L 67/10 in which an application is distributed across nodes in the network software deployment G06F8/60; multiprogramming arrangements G06F9/46

Abstract

A method for sending a transactional message assigns a universal transactional account (UTA) identifier to a customer, associates the assigned UTA identifier with a customer account corresponding to the customer, assigns an account network address corresponding to a service provider, stores, in a routing database, the UTA identifier in association with the account network address, creates, using a second terminal including a processor, the transactional message comprising the UTA identifier and a value, and sends the transactional message to the service provider, the sending the transactional message to the service provider including using the routing database to look up the account network address corresponding to the UTA identifier and transmitting the transactional message to the account network address.

Claims

1. A transactional communication method using transactional messages delivered over a communication network (CN), wherein the CN comprises a routing database;

the routing database comprising at least a first field storing a first universal transactional account (UTA) identifier and a second field storing a second UTA identifier;

the routing database providing resolution services by receiving from a remote terminal a query containing the first UTA identifier and retrieving the second UTA identifier from the second field corresponding to the received first UTA identifier wherein the retrieved second UTA identifier is further used to locate a connection endpoint;

the CN implementing a messaging protocol or request-response session messaging protocol (MP) wherein MP messages are created using MP messaging syntax rules;

wherein transactional messages are delivered to a service provider or processing center authorized by the service provider (SP) managing client accounts and processing the transactional messages while providing services to a client, the method comprising;

creating, by one of one or more hardware processors, UTA identifiers, each of the UTA identifiers comprising a unique string of symbols or characters;

assigning, by the one or more hardware processors, the first UTA identifier to the client and associating the first UTA identifier with a client account corresponding to the client;

assigning, by the one or more hardware processors, the second UTA identifier to the SP;

receiving, by the one or more hardware processors, the first UTA identifier from a remote terminal of one or more remote terminals, at a time subsequent to creation of the first UTA identifier, and storing the first UTA identifier into the first field and the second UTA identifier into the second field of the routing database;

creating, by a remote terminal of the one or more remote terminals, coupled to the CN and using at least one of the one or more hardware processors, an MP message containing at least the first UTA identifier and a value;

sending, by the remote terminal of the one or more remote terminals, and using at least one of the one or more hardware processors, the first UTA identifier for resolution to the routing database using the CN and retrieving the second UTA identifier from the second field of the routing database corresponding to the received first UTA identifier;

transmitting, by the CN and using at least one of the one or more hardware processors, the created MP message from the remote terminal of the one or more remote terminals, to the SP at the retrieved second UTA identifier; and

receiving, by the SP and using at least one of the one or more hardware processors, the transmitted MP message and parsing the MP message to determine the first UTA identifier and the value.