Routing Messages with Independent Recipient Identifiers
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The integration of mobile telephone systems with payment processing networks is challenging due to differences in infrastructure, as payment processing networks use 16-digit primary account numbers while mobile networks use 10-digit telephone numbers, and existing methods for financial transactions require personal or financial information of the recipient.
Innovation Solution
A system and method for routing messages using logically independent recipient identifiers, such as telephone numbers, where the server determines the non-financial institution and routes authorization requests, enabling transactions between senders and recipients without requiring knowledge of the recipient's financial institution details.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If payment processing networks use 16-digit primary account numbers to identify accounts, then transaction processing capability is provided, but integration with mobile telephone systems becomes difficult due to the 10-digit telephone number format
Solution Approach 1:
The patent segments the 16-digit primary account number into two separate components: a 10-digit mobile network operator identifier and a 6-digit account identifier. This segmentation allows the system to use standard mobile telephone numbers (10 digits) while maintaining the ability to identify specific accounts within that network, thereby resolving the integration conflict between payment processing infrastructure and mobile telephony systems.
Solution Approach 2:
The patent introduces a server computer as an intermediary component that receives authorization requests containing mobile network operator identifiers and account identifiers, determines the appropriate routing path, and forwards requests to the correct mobile network operator. This intermediary layer enables integration between payment processing networks and mobile telephony systems without requiring direct compatibility between their different identifier formats.
2Ease of operation
If existing financial transaction methods require knowledge of recipient's personal or financial information, then transaction accuracy is maintained, but user convenience and scalability are reduced
Solution Approach 1:
The patent implements a system where the server computer automatically determines the mobile network operator and routes authorization requests without requiring the sender to manually provide recipient's financial institution details. The system self-determines routing information based on the mobile network operator identifier, making the process convenient for users while maintaining accurate transaction routing through automated server-side resolution.
Data Source
AI summary
Embodiments are directed to methods for routing messages using logically independent recipient identifiers and server computers operable to implement those methods. In one embodiment, an authorization request message is received at the server computer from a sending institution. The authorization request message comprises a non-financial institution identifier and a recipient identifier separate from the non-financial institution identifier, the non-financial institution identifier identifying a non-financial institution, the recipient identifier associated with a recipient, wherein the authorization request message requests authorization for a transaction between a sender and the recipient. The server computer then determines the non-financial institution from a number of different non-financial institutions, routes the authorization request message to the non-financial institution, and receives, from the non-financial institution, an authorization response message, the authorization response message indicating whether or not the transaction is approved or not approved.