# US 10,504,082 B2 · Interoperable financial transactions via mobile devices

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- Number: US 10,504,082 B2
- Document ID: US10504082B2
- Status: Granted
- Kind: B2
- Application number: 15/376,994
- Filed: 2016-12-13
- Published: 2017-03-30
- Granted: 2019-12-10
- Earliest claimed: 2011-04-11
- Assignees: Visa International Service Association
- Applicants: Visa International Service Association
- Inventors: Ashish Kulpati; J. Gordon Cooper; Ginger Baker
- Web page: https://patentgrep.com/patent/US10504082B2

## CPC

- G06Q 20/16: Payments settled via telecommunication systems
- G06Q 20/386: {using messaging services or messaging apps (using mobile network messaging services for payment, e.g. SMS G06Q20/3255)}
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/102: {Bill distribution or payments}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G07F 19/203: {Dispensing operations within ATMs (dispensing in general G07D11/00)}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A method and system provide interoperable electronic financial services using mobile communications devices and without the need for traditional banking systems like plastic cards, POS machines, branches and ATMs. A consumer can deposit and/or withdraw money from his account using his mobile device and with the help of a local agent without ever stepping inside a branch of a bank where the consumer has an account. The system uses the consumers ID and his mobile number to generate a PAN for the consumer, which is then used to route the transactions. The system uses indicators in the transaction to identify transaction purpose and thus enable appropriate interchange, clearing and settlement between participating entities. The system provides real-time feedback on the transactions and reduces costs by enabling an agent to service consumers of multiple banks and payment service providers.

## Claims

### Claim 1

A method comprising:
receiving, from a first server computer and at a central server computer, a transaction request message to transfer funds from a first entity to a second entity, wherein the transaction request message is in a financial transaction message format, and comprises an amount associated with the transfer of funds, and a mobile communications device identifier used by the second entity or a second entity identifier, and wherein the first server computer is in communication with a first user device of the first entity via a gateway configured for routing messages in a non-financial transaction message format, receives elements of the transaction request message from the first user device in the non-financial transaction message format and comprises a data converter configured to convert a first set of data elements in the non-financial transaction message format to the transaction request message in the financial transaction message format;
parsing, at the central server computer, the transaction request message and determining a second server computer in communication with a mobile communications device of the second entity;
transmitting, by the central server computer, the transaction request message to the second server computer;
receiving, by the central server computer, a transaction response message from the second server computer;
parsing, by the central server computer, the transaction response message and determining the first server computer; and
transmitting, by the central server computer, the transaction response message to the first server computer.

### Claim 2 (depends on 1)

The method of claim 1, further comprising performing a clearing and settlement process with the first server computer and the second server computer, after transmitting the transaction response message.

### Claim 3 (depends on 1)

The method of claim 1, wherein the central server computer is in a payment processing network that is configured to process credit and debit card transactions.

### Claim 4 (depends on 1)

The method of claim 1, wherein a primary account identifier is derived based on at least the second entity identifier or the mobile communications device identifier used by the second entity.

### Claim 5 (depends on 4)

The method of claim 4, wherein the primary account identifier further includes a sequence number and a check digit.

### Claim 6 (depends on 1)

The central server computer of claim 1, wherein a primary account identifier is derived based on at least the second entity identifier or the mobile communications device identifier used by the second entity.

### Claim 7 (depends on 6)

The central server computer of claim 6, wherein the primary account identifier further includes a sequence number and a check digit.

### Claim 8 (depends on 1)

The method of claim 1, wherein the transaction request message is an original credit transaction message.

### Claim 9 (depends on 1)

The method of claim 1, wherein the first server computer is operated an issuer.

### Claim 10 (depends on 1)

The method of claim 1, wherein the first server computer and the second server computer are operated by first and second issuers, respectively.

### Claim 11 (depends on 1)

The method of claim 1, wherein the transaction request message is in an ISO 8583 format.

### Claim 12 (depends on 1)

The method of claim 1, wherein the first server computer is operated by an issuer and the second server computer is operated by an acquirer.

### Claim 13 (depends on 4)

The method of claim 4, wherein the primary account identifier is a one-time primary account number that can only be used for one transaction.

### Claim 14 (depends on 4)

The method of claim 4, wherein the first server computer generates the primary account identifier from the first set of data elements.

### Claim 15 (depends on 1)

The method of claim 1, wherein the transmitting the transaction response message to the first server computer includes:
transmitting the transaction response message in the financial transaction message format to the first server computer, wherein the data converter of the first server computer is configured to convert a second set of data elements in the transaction response message in the financial transaction message format to the non-financial transaction message format.

### Claim 16

A central server computer comprising a processor, and a non-transitory computer readable medium coupled to the processor, the non-transitory computer readable medium comprising code executable by the processor for implementing a method comprising:
receiving, from a first server computer, a transaction request message to transfer funds from a first entity to a second entity, wherein the transaction request message is in a financial transaction message format, and comprises an amount associated with the transfer of funds, and a mobile communications device identifier used by the second entity or a second entity identifier, and wherein the first server computer is in communication with a first user device of the first entity via a gateway configured for routing messages in a non-financial transaction message format, receives elements of the transaction request message from the first user device in the non-financial transaction message format, and comprises a data converter configured to convert a first set of data elements in the non-financial transaction message format to the transaction request message in the financial transaction message format;
parsing the transaction request message and determining a second server computer in communication with a mobile communications device of the second entity;
transmitting the transaction request message to the second server computer;
receiving a transaction response message from the second server computer;
parsing the transaction response message and determining the first server computer; and
transmitting the transaction response message to the first server computer.

### Claim 17 (depends on 16)

The central server computer of claim 16, wherein the method further comprises performing a clearing and settlement process with the first server computer and the second server computer, after transmitting the transaction response message.

### Claim 18 (depends on 16)

The central server computer of claim 16, wherein the central server computer is in a payment processing network that is configured to process credit and debit card transactions.

### Claim 19 (depends on 16)

A system comprising:
the central server computer of claim 16;
the first server computer; and
the second server computer.