Patent ID: 11875319
Assignee: VISA INTERNATIONAL SERVICE ASSOCIATION
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A method comprising:
prior to a transaction where a first user using a first user device interacts with a second user:
establishing, by a processing network computer, a processing relationship with an application server computer managing a transfer application, wherein establishing the processing relationship includes:
storing, by the processing network computer, processing terms of the transfer application at a database;

receiving, by the processing network computer, a request for a digital tag from the second user, the request including a primary account number or a token of the second user, and two or more selected transfer applications;
generating, by the processing network computer, the digital tag that represents the primary account number or the token of the second user, wherein the digital tag is compatible with the two or more selected transfer applications without requiring the second user to register with each one of the two or more selected transfer applications, wherein the digital tag is identifiable by the application server computer managing any one of the two or more selected transfer applications;
providing, by the processing network computer, the digital tag to the second user;

receiving, by the processing network computer, a push transfer message comprising a first transaction amount and the digital tag, the primary account number or the token from the application server computer in the transaction where the first user using the first user device interacts with the second user using the digital tag scanned by the transfer application executing on the first user device, wherein the transfer application is one of the two or more selected transfer applications and is in communication with the application server computer;
processing, by the processing network computer with the application server computer, the push transfer message pursuant to the processing terms of the transfer application, wherein the first user is registered with the application server computer while the second user is not registered with the application server computer;
parsing, by the processing network computer, the push transfer message to determine an authorizing entity computer associated with the primary account number or the token;
determining, by the processing network computer, an address associated with the authorizing entity computer;
determining, by the processing network computer, that the push transfer message is an original credit transaction (OCT) message indicating a clearing and settlement credit transaction for delivering funds to the primary account number;
obtaining, by the processing network computer based on determining that the push transfer message is an OCT message, the first transaction amount from an account of the first user prior to transmitting the push transfer message to the authorizing entity computer to ensure payment funds are received before being sent to the second user;
transmitting, by the processing network computer, the push transfer message comprising the primary account number to the authorizing entity computer, which credits the primary account number for a second amount that is determined by subtracting a remainder amount from the first transaction amount; and
performing a settlement process between at least the processing network computer, the authorizing entity computer, and the application server computer, wherein the processing network computer provides a service amount to the application server computer, the service amount being less than the remainder amount, the processing network computer associates a remaining portion of the remainder amount with the processing network computer, and the processing network computer provides the second amount to the authorizing entity computer.