# US 2021/0279734 A1 · Real time interaction processing system and method > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 2021/0279734 A1 - Document ID: US20210279734A1 - Status: Published application - Kind: A1 - Application number: 17/256,920 - Filed: 2019-06-28 - Published: 2021-09-09 - Earliest claimed: 2018-07-06 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Shalini Khatwani - Web page: https://patentgrep.com/patent/US20210279734A1 ## CPC - G06F 21/34: involving the use of external additional devices, e.g. dongles or smart cards - G06Q 20/4097: {using mutual authentication between devices and transaction partners} - G06F 21/36: by graphic or iconic representation - G06Q 20/023: {the neutral party being a clearing house} - G06Q 20/102: {Bill distribution or payments} - G06Q 20/3223: {Realising banking transactions through M-devices} - G06Q 20/385: {using an alias or single-use codes} - G06Q 20/4014: {Identity check for transactions} - G06Q 20/4016: {involving fraud or risk level assessment in transaction processing} - G06Q 20/4037: {Remote solvency checks} - G06Q 20/405: {Establishing or using transaction specific rules} - H04L 63/08: {for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32)} - G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N) - 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 - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) ## Abstract Described herein are methods and systems directed to enabling resource providers to interact with access credentials that the resource provider is typically not capable of interaction with. In some embodiments, a virtual account identifier is issued in association with the access credential, the virtual account identifier being issued by an authorization provider which is different from the authorization provider having issued the access credential. The virtual account identifier may be provided to the resource provider in lieu of the access credential. The resource provider may then generate an authorization request message that includes the virtual account identifier, which may be routed to the authorization provider associated with the virtual account identifier. That authorization provider may then conduct the transaction using the access credential with the authorization provider having issued the access credential. ## Claims ### Claim 1 A method comprising: receiving, by a first authorization computer via a first processing network, a first authorization request message comprising a virtual account identifier for a transaction to be conducted by a resource provider computer; determining, by the first authorization computer, an access credential associated with the virtual account identifier; generating, by the first authorization computer, a second authorization request message that includes the access credential; transmitting, by the first authorization computer, the second authorization request message to a second authorization computer via a second processing network; receiving, by the first authorization computer, a second authorization response message for the second authorization request message from the second authorization computer; and transmitting, by the first authorization computer, a first authorization response message to the resource provider computer. ### Claim 2 (depends on 1) The method of claim 1, wherein the first authorization request message is received from a transport computer associated with the resource provider computer, and wherein the first authorization response message is transmitted to the resource provider computer via the transport computer. ### Claim 3 (depends on 1) The method of claim 1, wherein the first authorization request message includes a first amount and the second authorization request message comprises a second amount, the first amount being equal to or substantially equal to the second amount. ### Claim 4 (depends on 1) The method of claim 1, further comprising receiving an indication that an amount indicated in the second authorization request message has been transferred from an account maintained by the second authorization computer to an account maintained by the first authorization computer. ### Claim 5 (depends on 4) The method of claim 4, wherein the first authorization response message is not transmitted to the resource provider computer until the amount has been transferred. ### Claim 6 (depends on 1) The method of claim 1, wherein the virtual account identifier is formatted as a 16 digit number including a six-digit banking identification number. ### Claim 7 (depends on 1) The method of claim 1, wherein the access credential comprises an account number for a funded debit account. ### Claim 8 (depends on 7) The method of claim 7, wherein the second authorization response message includes an indication as to whether the funded debit account includes sufficient funds to cover the transaction. ### Claim 9 (depends on 1) The method of claim 1, further comprising, prior to transmitting the second authorization request message to the second authorization computer via the second processing network, determining a level of risk associated with the transaction. ### Claim 10 (depends on 9) The method of claim 9, wherein the second authorization request message is not transmitted if the level of risk associated with the transaction is greater than a threshold risk value. ### Claim 11 A first authorization computer comprising: a processor; and a computer readable medium coupled to the processor, the computer readable medium comprising instructions, that when executed by the processor, causes the first authorization computer to: receive, via a first processing network, a first authorization request message comprising a virtual account identifier for a transaction to be conducted by a resource provider computer; determine an access credential associated with the virtual account identifier; generate a second authorization request message that includes the access credential; transmit the second authorization request message to a second authorizing computer via a second processing network; receive a second authorization response message for the second authorization request message from the second authorizing computer; and transmit a first authorization response message to the resource provider computer. ### Claim 12 (depends on 11) The first authorization computer of claim 11, wherein the instructions further cause the first authorization computer to: receive, from a user device prior to the transaction, an indication of the access credential; generate the virtual account identifier; and provide the virtual account identifier to the user device. ### Claim 13 (depends on 12) The first authorization computer of claim 12, wherein the virtual account identifier is provided to the user device in a machine-readable format. ### Claim 14 (depends on 11) The first authorization computer of claim 11, wherein the instructions further cause the first authorization computer to, upon receiving a request for the virtual account identifier from a user device, obtain pre-authorization for the transaction. ### Claim 15 (depends on 11) The first authorization computer of claim 11, wherein the access credential is replaced with the virtual account identifier in the first authorization response message. ### Claim 16 (depends on 11) The first authorization computer of claim 11, wherein the first processing network is a payment processing network configured to process credit card transactions. ### Claim 17 (depends on 11) The first authorization computer of claim 11, wherein the second processing network is a payment processing network configured to process debit transactions. ### Claim 18 A user device comprising: a processor; and a computer readable medium coupled to the processor, the computer readable medium comprising instructions, that when executed by the processor, causes the user device to: establish a communication session with a first authorization computer; provide, via the communication session to the first authorization computer, an indication of an access credential associated with a second authorization computer; receive, via the communication session from the first authorization computer, a virtual account identifier associated with the access credential; provide, to a resource provider in relation to a transaction, the virtual account identifier; and receive, via the communication session from the first authorization computer, an indication that the transaction has been completed using the access credential. ### Claim 19 (depends on 18) The user device of claim 18, wherein the access credential is not provided to the resource provider. ### Claim 20 (depends on 18) The user device of claim 18, wherein the first authorization computer is associated with a first processing network and the second authorization computer is associated with a second processing network different from the first processing network.