Communication protocols for processing an authorization request in a distributed computing system

• US 9,672,516 B2
• Filed: 03/12/2015
• Issued: 06/06/2017
• Est. Priority Date: 03/13/2014
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Salmon, Diane C., Ovick, Joseph Bjorn, Mohammed, Sayeed, Kim, Nancy L.
• Primary Examiner(s): GUDORF, LAURA A
• Application Number:
  US14/656,221
• Publication Number:
  US 20150262177A1
• Time in Patent Office: 817 Days
• Field of Search: 235487, 705 44, 705 35, 705 39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/22 Payment schemes or models
• CPC Class Codes: G06Q 20/401 Transaction verification

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.

Claims

1. A reader in a computing system implementing a communication protocol, the reader comprising:

at least one microprocessor;

at least one network interface; and

a memory storing instructions configured to instruct the at least one microprocessor to implement the communication protocol over the at least one network interfaces in the computing system having a plurality of computers, including a centralized router, a portal, and a data storage storing data linking a source account identifier with a linked identifier, wherein the centralized router is connected to one or more destination account controllers and one or more source account controllers, and a set of readers are connected to the one or more destination account controllers, wherein the communication protocol includes;

establishing, using the at least one network interface, a communication connection between the portal and the reader that is connected to a destination account controller via the at least one network interface, wherein the communication connection does not go through the destination account controller controlling a destination account associated with the reader; and

in response to the reader obtaining the source identifier from a mobile device;

transmitting, through the communication connection to the portal, a first authorization request identifying the source identifier, wherein

based on the data stored in the data storage linking the source account identifier and the linked identifier, the portal transmits 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; and

the portal receives, 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;

receiving, by the reader over the at least one network interface, the first response;

generating, by the reader, a third authorization request based on the available resource identified in the first response;

transmitting, by the reader over the at least one network interface, 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 centralized router receives the third authorization request from the destination account controller;

the centralized router routes 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

the centralized router routes a second response to the third authorization request from the source account controller to the destination account controller; and

receiving, by the reader over the at least one network interface from the destination account controller, the second response to the third authorization request.

2. The reader of claim 1, wherein the reader generates the third authorization request without obtaining the source identifier again from the mobile device after the first authorization request is transmitted to the portal.

3. The reader of claim 1, wherein the reader receives the first response using the communication connection between the portal and the reader.

4. The reader of claim 3, wherein the communication connection between the portal and the reader is established via internet.

5. The reader of claim 1, wherein the reader receives the first response via a connection through the destination account controller.

6. The reader of claim 5, wherein the centralized router receives the first response and routes the first response to the destination account controller;

and the reader receives the first response from the destination account controller.

7. The reader of claim 6, wherein the destination account controller is identified based on an identifier of the reader provided in the first authorization request to route the first response to the destination account controller.

8. The reader of claim 1, wherein the first response authorizes the transfer of the available resource identified in the first response;

and the reader prompts for an input to accept or reject the transfer of the available resource from the linked account to the destination account associated with the reader.

9. The reader of claim 8, wherein the reader determines the requested resource based on the available resource identified in the first response and the input to accept or reject the transfer of the available resource from the linked account to the destination account associated with the reader.

10. A non-transitory computer storage medium storing instructions configured to instruct a computing device in a computing system having a plurality of computers to implement a communication protocol, the communication protocol comprising:

establishing a communication connection between a 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;

the portal is coupled with a plurality of computers, including a centralized router and a data storage storing data linking a source account identifier with a linked identifier;

the centralized router is connected to one or more destination account controllers and one or more source account controllers; and

a set of readers are connected to the one or more destination account controllers; and

in response to the reader obtaining the source identifier from a mobile device;

receiving in the portal through the communication connection a first authorization request identifying the source identifier;

based on the data stored in the data storage linking the source account identifier and the linked identifier, 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;

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;

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;

receiving, in the centralized router, the third authorization request from the destination account controller;

routing, by the centralized router, 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

routing, 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 response to the third authorization request to the reader.

11. A method for a communication protocol implemented in a computing system, the method comprising:

providing a plurality of computers, including a centralized router, a portal, and a data storage storing data linking a source account identifier with a linked identifier, wherein the centralized router is connected to one or more destination account controllers and one or more source account controllers, and a set of readers are connected to the one or more destination account controllers;

providing 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

in response to the reader obtaining the source identifier from a mobile device;

receiving in the portal through the communication connection a first authorization request identifying the source identifier;

based on the data stored in the data storage linking the source account identifier and the linked identifier, 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;

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;

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;

receiving, in the centralized router, the third authorization request from the destination account controller;

routing, by the centralized router, 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

routing, 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 response to the third authorization request to the reader.

12. The method of claim 11, wherein the reader generates the third authorization request without obtaining the source identifier again from the mobile device after the first authorization request is transmitted to the portal.

13. The method of claim 11, wherein the communicating of the first response to the reader is via the communication connection between the portal and the reader.

14. The method of claim 13, wherein the communication connection between the portal and the reader is provided via internet.

15. The method of claim 11, wherein the communicating of the first response to the reader is via a connection through the destination account controller.

16. The method of claim 15, wherein the communicating of the first response to the reader includes:

receiving, in the centralized router, the first response; and

routing, by the centralized router to the destination account controller, the first response, wherein the destination account controller provides the first response to the reader.

17. The method of claim 16, wherein the communicating of the first response to the reader includes:

identifying the destination account controller based on an identifier of the reader in the first authorization request to route the first response to the destination account controller.

18. The method of claim 17, wherein the first response transmitted via the destination account controller to the reader allows the destination account controller to request a transfer from the linked account to the destination account in response to a transfer request from the reader identifying the source identifier.

19. The method of claim 11, wherein the first response authorizes the transfer of the available resource identified in the first response;

and the reader prompts for an input to accept or reject the transfer of the available resource from the linked account to the destination account associated with the reader.

20. The method of claim 19, wherein the requested resource is determined based on the available resource identified in the first response and the input to accept or reject the transfer of the available resource from the linked account to the destination account associated with the reader.