公开(公告)号：US20140214675A1

公开(公告)日：2014-07-31

申请号：US14162647

申请日：2014-01-23

申请人： Pankaj Sharma ,  Vikram Modi ,  Shantnu Singh ,  Geir Forde ,  Karen Cervenka

发明人： Pankaj Sharma ,  Vikram Modi ,  Shantnu Singh ,  Geir Forde ,  Karen Cervenka

IPC分类号： G06Q20/40 ,  G06Q20/10

CPC分类号： G06Q20/10

摘要： Embodiments of the invention introduce systems and methods for using a payment processing network to conduct transactions between accounts not associated with the payment processing network. One embodiment of the invention discloses a method for conducting a funds transfer transaction. The method comprises receiving a recipient bank identifier and a recipient account identifier associated with a recipient account, determining a recipient bank primary account number (PAN) using the recipient bank identifier, generating an authorization request message comprising the recipient bank PAN and the recipient account identifier, sending an authorization request message for a transaction to a recipient bank computer, wherein the recipient bank PAN is used to route the authorization request message to the recipient bank computer, and receiving an authorization response message.

摘要翻译： 本发明的实施例引入了使用支付处理网络在不与支付处理网络相关联的帐户之间进行交易的系统和方法。 本发明的一个实施例公开了一种进行资金转账交易的方法。 该方法包括接收与接收者帐户相关联的接收者银行标识符和接收者帐户标识符，使用接收方银行标识符确定收件人银行主帐号（PAN），生成包括接收方银行PAN和接收方账户标识符的授权请求消息 向接收方银行计算机发送用于交易的授权请求消息，其中，所述接收方银行PAN用于将所述授权请求消息路由到所述接收方银行计算机，以及接收授权响应消息。