Granted Patent B2

US 12,657,250 · App. 18/243,535 · Granted Jun 16, 2026

Inventors: Abigail Lindsey Welsford (Sidcup, GB); Boy Anthony Kuhne (London, GB); Christopher Paul Kendall (Leighton Buzzard, GB); David Andrew Bray (Rickmansworth, GB); Manish Murarka (London, GB); Stephen Richard Wright (Uxbridge, GB)

Assignee: VOCALINK INTERNATIONAL LIMITED

G06F16/9538H04L9/30

Abstract

Claims (38)

1 . A computer-implemented method for use in interconnecting proxy directories, the method comprising:

determining, by a proxy service client computing device, a proxy from a proxy lookup request is not included in a local proxy directory and/or local memory of the proxy service client computing device, the proxy service client computing device specific to a participant;

based on the proxy not being included in the local proxy directory and/or the local memory, submitting, by the proxy service client computing device, the proxy lookup request to a first proxy service core computing device;

receiving, by the first proxy service core computing device, from the participant, via the proxy service client computing device, the proxy lookup request;

determining, by the first proxy service core computing device, the proxy from the proxy lookup request is not included in a local registry of the first proxy service core computing device;

based on the proxy not being included in the local registry;

identifying a second proxy service core computing device based, in part, on content of and/or format of the proxy; and

submitting, by the proxy service core computing device, the proxy lookup request to the second proxy service core computing device;

receiving, by the first proxy service core computing device, from the second proxy service core computing device, a proxy lookup response, which includes account data linked to the proxy; and

returning, by the first proxy service core computing device, the proxy lookup response, to the participant, via the proxy service client computing device, in response to the proxy lookup request.

2 . The computer-implemented method of claim 1 , wherein identifying the second proxy service core computing device is further based on one or more routing rules.

3 . The computer-implemented method of claim 1 , further comprising appending, by the first proxy service core computing device, an entry to a trail stack included in the proxy lookup request, the entry indicative of the participant and/or the first proxy service core computing device.

4 . The computer-implemented method of claim 1 , further comprising appending a public key associated with the participant to the proxy lookup request, thereby permitting another participant to encrypt the account data using the public key, prior to directing the encrypted account data toward the first proxy service core computing device.

5 . The computer-implemented method of claim 1 , further comprising modifying the proxy lookup request consistent with a defined format, prior to submitting the proxy lookup request to the second proxy service core computing device.

6 . The computer-implemented method of claim 1 , wherein the first proxy service core computing device is located in a first region and wherein the second proxy service core computer device is located in a second, different region.

7 . The computer-implemented method of claim 1 , further comprising signing at least a portion of the proxy lookup request and/or at least a portion of the proxy lookup response.

8 . The computer-implemented method of claim 1 , wherein the proxy includes a phone number;

wherein the account data includes a primary account number, an expiration date, and/or a card verification code; and

wherein the account data is encrypted.

9 . A system for use in interconnecting proxy directories, the system comprising:

a proxy service client computing device of a participant; and

a first proxy service core computing device coupled in communication with the proxy service client computing device;

wherein the proxy service client computing device is configured, by first executable instructions, to:

determine whether a proxy from a proxy lookup request is included in a local proxy directory and/or local memory of the proxy service client computing device;

based on the proxy not being included in the local proxy directory and/or the local memory, submit the proxy lookup request to the first proxy service core computing device; and

wherein the first proxy service core computing device is configured, by second executable instructions, to:

receive, from a participant, a proxy lookup request, the proxy lookup request including a proxy;

determine whether the proxy from the proxy lookup request is included in a local registry of the first proxy service core computing device;

based on the proxy not being included in the local registry;

identify a second proxy service core computing device based, in part, on content of and/or format of the proxy; and

submit the proxy lookup request to the second proxy service core computing device;

receive, from the second proxy service core computing device, a proxy lookup response, which includes account data linked to the proxy; and

return the proxy lookup response, to the participant, in response to the proxy lookup request.

10 . The system of claim 9 , wherein the first proxy service core computing device is further configured, by the second executable instructions, prior to submitting the proxy lookup request, to identify the second proxy service core computing device further based on one or more routing rules.

11 . The system of claim 9 , wherein the first proxy service core computing device is further configured, by the second executable instructions, to:

append an entry to a trail stack included in the proxy lookup request, the entry indicative of the participant and/or the first proxy service core computing device; and

append a public key associated with the participant to the proxy lookup request, thereby permitting another participant to encrypt the account data using the public key, prior to directing the encrypted account data toward the first proxy service core computing device.

12 . The system of claim 9 , wherein the first proxy service core computing device is further configured, by the second executable instructions, to modify the proxy lookup request consistent with a defined format, prior to submitting the proxy lookup request to the second proxy service core computing device.

Assignments (1)

Continuity (2)

References Cited (28)