Patent ID: 11887079
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 6:
7. A server computer comprising:
a processor; and
a computer readable medium coupled to the processor, the computer readable medium comprising code that, when executed by the processor, cause the processor to;
provide an API to a request realization computer for establishing a secure communication channel between the server computer and the request realization computer;
receive an encrypted data file from a request realization computer using the API previously provided by the server computer;
decrypt the encrypted data file using a decryption key stored by the server computer to obtain a data file comprising remittance data and payment data, wherein the remittance data is associated with a request provided from a request originating computer to the request realization computer, wherein the payment data includes a plurality of individual payment data associated with a plurality of authorizing entities;
store the data file in a database, wherein storing the data file triggers generation of a unique identifier;
generate the unique identifier for the data file using a number generator, wherein the data file is associated with the unique identifier regardless of the remittance data and the payment data of the data file being associated with one or more transactions;
validate the remittance data and the payment data;
determine an inaccuracy in the data file;
provide the unique identifier and an error message identifying the inaccuracy in the data file to the request realization computer;
receive corrected data file from the request realization computer;
validate the corrected data file;
provide confirmation of validation and the unique identifier to the request realization computer;
store the corrected data file in the database;
for each individual payment data:
generate a payment information file including the individual payment data and the unique identifier according to a format specification of a corresponding authorizing entity computer, wherein the unique identifier is inserted in a message field of the payment information file;
provide the payment information file including the individual payment data and the unique identifier to the corresponding authorizing entity computer requesting payment on behalf of the request realization computer, wherein the authorizing entity computer, upon authorizing the request associated with the individual payment data, provides the individual payment data and the unique identifier to the request originating computer;
receive communication from the authorizing entity computer regarding processing of the individual payment data and the unique identifier;

format the remittance data into a reformatted remittance data based on a format specification of the request originating computer;
provide the reformatted remittance data and the unique identifier to the request originating computer,
wherein the data file including the remittance data and the payment data is input to the server computer without the unique identifier, and all data related to the data file is output from the server computer with the unique identifier,
progressively create a repository for linking each received remittance data to each received payment data based on communications of the server computer with (1) the request originating computer, (2) the request realization computer, and (3) the authorizing entity computer, and
grant access to the request realization computer, the request originating computer, and the authorizing entity computer to the repository using the unique identifier, wherein the access is limited to the data file associated with the unique identifier provided by the request realization computer or the request originating computer while remaining data in the repository is blocked from access.