Patent ID: 8589293
Filing Date: 2013-11-19
Classification: G06Q

Abstract:
1. A method comprising: receiving, from a sending institution, an authorization request message at a payment processing network server computer, the authorization request message comprising a mobile network operator identifier and a mobile telephone number, the mobile network operator identifier identifying a mobile network operator via which a mobile telephone having the mobile telephone number operates, the mobile telephone number being associated with a recipient, wherein the authorization request message requests authorization for a financial transaction between a sender and the recipient; determining, by the payment processing network server computer, the mobile network operator from a number of different mobile network operators based on the mobile network operator identifier; routing the authorization request message to a mobile network operator server computer associated with the determined mobile network operator; and receiving, from the mobile network operator server computer and at the payment processing network server computer, an authorization response message, the authorization response message indicating whether or not the financial transaction is approved.