US 11,720,895 B2
Systems and methods for use in facilitating network messaging
Jason Jay Lacoss-Arnold, St. Louis, MO (US); Andrew David Lambert, Chesterfield, MO (US); and Christy Hart, Wood Dale, IL (US)
Assigned to MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed by MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US)
Filed on Oct. 8, 2020, as Appl. No. 17/66,234.
Claims priority of provisional application 62/913,943, filed on Oct. 11, 2019.
Prior Publication US 2021/0110392 A1, Apr. 15, 2021
Int. Cl. G06Q 20/40 (2012.01); H04L 9/40 (2022.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/405 (2013.01); G06Q 20/4097 (2013.01); H04L 63/18 (2013.01)] 13 Claims
OG exemplary drawing
 
1. A computer-implemented method for use in facilitating network messages, the method comprising:
receiving, at a network, via an application programming interface (API) of the network, a push funds transfer instruction associated with a first user and specific to a first user account, the push funds transfer instruction directing a funds transfer from the first user account to a second user account associated with a second user, the push funds transfer instruction including an identifier of the second user account;
compiling, at the network, a pre-authorization message indicative of the push funds transfer instruction, the pre-authorization message consistent with a first financial interchange message standard and including an identifier of the first user account;
transmitting, by the network, the pre-authorization message to a first institution associated with the first user account;
identifying, by the network, a different network associated with the second user account based on the identifier of the second user account included in the push funds transfer instruction, the different network associated with a second financial interchange message standard, whereby the different network is incompatible with the first message standard;
in response to identifying the different network, translating, by the network, based on a mapping logic, data elements of the push funds transfer instruction and additional data into data elements of a transfer instruction consistent with the second message standard, the transfer instruction including the identifier of the first user account and the identifier of the second user account;
transmitting, by the network, the transfer instruction to the different network, thereby permitting delivery of the transfer instruction consistent with the second message standard to a second institution associated with the second user accounts;
receiving, by the network, a transfer acknowledgment message in response to the transfer instruction; and
based on the transfer acknowledgment message, compiling and transmitting, by the network, a subsequent message for the push funds transfer instruction to the first institution, the subsequent message consistent with the first message standard, the subsequent message including an authorization completion message for said funds transfer.