Message handling at a mobile gateway for managing data structures and sub-structures

US10956913B2 · kind B2 · utility

Assignee

• FIRST DATA CORPORATION · US

Inventors

• Jigar Chandrakant Desai · Fremont, US
• Francis Pavlik · Sandy Springs, US
• Scott Sanchez · Atlanta, US
• Scott Francis · Atlanta, US
• Deneen Luxford · Scottsdale, US
• Eva Russo · Atlanta, US
• Phillip Wiggins · Atlanta, US
• Matthew Borenstein · Atlanta, US

Key dates

• Filing date: May 14, 2019
• Grant date: Mar 23, 2021
• Expiry date: Jul 5, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q40/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.