Communication Protocols for Processing an Authorization Request in a Distributed Computing System
First Claim
1. A computing system to implement a communication protocol, comprising:
- 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, the portal configured to;
receive, through the communication connection, a first authorization request identifying a 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 data linking the source account identifier and a 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; and
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, the third authorization request including the source account identifier and a requested resource to be transferred to the destination account; and
a centralized router configured to;
receive the third authorization request from the reader via 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 reader via the destination account controller.
1 Assignment
0 Petitions
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.
3 Citations
20 Claims
-
1. A computing system to implement a communication protocol, comprising:
-
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, the portal configured to; receive, through the communication connection, a first authorization request identifying a 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 data linking the source account identifier and a 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; and 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, the third authorization request including the source account identifier and a requested resource to be transferred to the destination account; and a centralized router configured to; receive the third authorization request from the reader via 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 reader via the destination account controller. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
-
-
10. A non-transitory computer storage medium storing instructions configured to instruct a computing system 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; receiving, in the portal through the communication connection from the reader, a first authorization request identifying a source account identifier obtained by the reader from a mobile device; transmitting, by the portal in response to the first authorization request and based on data linking the source account identifier and a 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; 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, the third authorization request including the source identifier and a requested resource to be transferred to the destination account; receiving, by a centralized router, the third authorization request from the reader via 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 reader via the destination account controller.
-
-
11. A method for implementing a communication protocol, the method 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; receiving, in the portal through the communication connection from the reader, a first authorization request identifying a source account identifier obtained by the reader from a mobile device; transmitting, by the portal in response to the first authorization request and based on data linking the source account identifier and a 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; 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, the third authorization request including the source account identifier and a requested resource to be transferred to the destination account; receiving, by a centralized router, the third authorization request from the reader via 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 reader via that destination account controller. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
-
Specification