Patent ID: 9552573
Date: 2017-01-24
CPC Classifications: G06Q,G07F

Claim:
1. A method comprising: receiving, at a data converter associated with a first server computer associated with a first entity, a set of data elements in a non-financial transaction message format to transfer funds from the first entity operating a mobile communication device to a second entity via a communications network, wherein the set of data elements comprises a mobile communications device identifier used by the second entity, a second entity identifier, and an amount associated with the funds to be transferred; generating, by the data converter associated with the first server computer, a transaction request message in a financial transaction message format that is configured to pass through a payment processing network from the set of data elements in the non-financial transaction message format, wherein the transaction request message comprises a transaction type indicator, the amount, and a primary account number (PAN) comprising the mobile communication device identifier and the second entity identifier; transmitting, by the first server computer, the transaction request message to a second server computer associated with the second entity, via the payment processing network; receiving, by the first server computer, a transaction response message from the second server computer via the payment processing network, wherein the transaction response message indicates that the transfer of funds is approved; and wherein in response to receiving the transaction response message indicating that the transfer of funds is approved, the funds are transferred between a first account associated with the first server computer and a second account associated with the second server computer.