Granted Patent B2

US 12,299,683 · App. 17/273,658 · Granted May 13, 2025

Inventor: Otto Williams (Foster City, CA)

Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION

G06Q20/401G06Q20/3223G06Q20/36G06Q40/02G06Q40/04

Abstract

Claims (42)

1. A method comprising:

receiving, by a server computer located in a first country from a first user device located in the first country, transfer data regarding a receiver operating a second user device located in a second country, the transfer data comprising a mobile number and a name;

transmitting, by the server computer to a processing network computer, a verification request message, wherein the verification request message comprises the mobile number and the name, wherein transmitting the verification request message to the processing network computer causes the processing network computer to transmit the verification request message to a wallet aggregator computer located in the second country, the wallet aggregator computer maintaining a plurality of account identifiers aggregated from a plurality of digital wallet providers of the second country;

receiving, by the server computer via the processing network computer, a verification response message initiated by the wallet aggregator computer, the verification response message comprising an account identifier of the receiver;

transmitting, by the server computer, a confirmation request message to the first user device;

receiving, by the server computer, a confirmation response message from the first user device; and

transmitting, by the server computer, a transaction message comprising the account identifier of the receiver that was received in the verification response message, wherein sending the transaction message causes an alert to be provided to the second user device, and wherein transmitting the transaction message causes a transfer to be made in the second country to credit an account corresponding to the account identifier of the receiver.

2. The method of claim 1 , further comprising:

receiving, by the server computer from the first user device, account data regarding a sender operating the first user device, the account data comprising a corresponding account identifier of the sender;

transmitting, by the server computer to an authorizing entity computer associated with the sender, an automatic funds transfer (AFT) message; and

receiving, by the server computer from the authorizing entity computer, a response indicating funds have been transferred from a first account associated with the sender to a second account associated with a service provider related to the server computer.

3. The method of claim 2 , wherein transmitting the transaction message occurs in response to receiving the response indicating the funds have been transferred.

4. The method of claim 1 , further comprising:

receiving, by the server computer, a registration message from one or more wallet aggregator computers, the one or more wallet aggregator computers comprising the wallet aggregator computer; and

in response to receiving the registration message, storing registration information associated with the one or more wallet aggregator computers at a data store accessible to the server computer.

5. The method of claim 4 , further comprising:

identifying, by the server computer, the wallet aggregator computer to which to transmit the verification request message, the wallet aggregator computer being identified from the one or more wallet aggregator computers based at least in part on the mobile number received in the verification request message and the registration information associated with the one or more wallet aggregator computers.

6. The method of claim 1 , wherein the server computer is operated on behalf of a financial transfer service provider.

7. The method of claim 1 , wherein the transaction message is an original credit transaction (OCT) message.

8. The method of claim 1 , wherein the wallet aggregator computer is selected from a plurality of wallet aggregator computers located in the second country based at least in part on at least a portion of the mobile number, and wherein the wallet aggregator computer is associated with a geographical area of the second country.

9. The method of claim 1 , wherein the account identifier of the verification response message is identified based at least in part on the mobile number and the name.

10. A server computer comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor, to cause the server computer to:

receive, from a first user device located in a first country, transfer data regarding a receiver operating a second user device corresponding to a second country, the transfer data comprising a mobile number and a name;

transmit, to a processing network computer, a verification request message, wherein transmitting the verification request message to the processing network computer causes the processing network computer to transmit the verification request message to a wallet aggregator computer located in the second country, wherein the verification request message comprises the mobile number and the name, and wherein the wallet aggregator computer maintains a plurality of account identifiers aggregated from a plurality of digital wallet providers of the second country;

receive, from the wallet aggregator computer via the processing network computer, a verification response message initiated by the wallet aggregator computer, the verification response message comprising an account identifier of the receiver;

transmit a confirmation request message to the first user device;

receive a confirmation response message from the first user device; and

transmit a transaction message comprising the account identifier of the receiver that was received in the verification response message, wherein sending the transaction message causes an alert to be provided to the second user device, and wherein transmitting the transaction message causes a transfer to be made in the second country to credit an account corresponding to the account identifier of the receiver.

11. The server computer of claim 10 , wherein executing the code further causes the server computer to:

receive, from the first user device, account data regarding a sender operating the first user device, the account data comprising a corresponding account identifier of the sender;

transmit, to an authorizing entity computer associated with the sender, an automatic funds transfer (AFT) message; and

receive, from the authorizing entity computer, a response indicating funds have been transferred from a first account associated with the sender to a second account associated with a service provider related to the server computer.

12. The server computer of claim 11 , wherein transmitting the transaction message occurs in response to receiving the response indicating the funds have been transferred.

13. The server computer of claim 10 , wherein executing the code further causes the server computer to:

receive a registration message from one or more wallet aggregator computers, the one or more wallet aggregator computers comprising the wallet aggregator computer; and

in response to receiving the registration message, store registration information associated with the one or more wallet aggregator computers at a data store accessible to the server computer.

14. The server computer of claim 13 , wherein executing the code further causes the server computer to:

identify the wallet aggregator computer to which to transmit the verification request message, the wallet aggregator computer being identified from the one or more wallet aggregator computers based at least in part on the mobile number received in the verification request message and the registration information associated with the one or more wallet aggregator computers.

15. The server computer of claim 10 , wherein the server computer is operated on behalf of a financial transfer service provider.

16. The server computer of claim 10 , wherein the transaction message is an original credit transaction (OCT) message.

Assignments (1)

Continuity (2)

References Cited (23)