Patent ID: 8868467

Claim:
A transactional communication method using transactional messages delivered over a communication network (CN), wherein the CN comprises a routing database; the routing database comprising at least a first field storing a network identifier (NI) and a second field storing a network address (NA); the routing database providing resolution services by receiving from a remote terminal a query containing the NI and retrieving the NA from the second field corresponding to the received NI wherein the retrieved NA is further used to locate a connection endpoint; the CN implementing a messaging protocol or request-response session messaging protocol (MP) wherein MP messages are created using MP messaging syntax rules; wherein transactional messages are delivered to a service provider or processing center authorized by the service provider (SP) managing customer accounts and processing the transactional messages while providing services to a customer; the method comprising: creating, using at least one of one or more hardware processors, universal transactional account (UTA) identifiers, each of the UTA identifiers comprising a unique string of symbols or characters; assigning, using at least one of the one or more hardware processors, each of the UTA identifiers to the customer and associating the UTA identifier with a customer account corresponding to the customer; assigning, using at least one of the one or more hardware processors, the NA further referred to as an account NA to the SP; receiving, using at least one of the one or more hardware processors, the UTA identifier from a first remote terminal, at a time subsequent to creation of the UTA identifier, and storing the UTA identifier into the first field and the account NA into the second field of the routing database; creating, at a second terminal coupled to the CN and using at least one of the one or more hardware processors, an MP message containing at least the UTA identifier and a value; sending, by the second terminal and using at least one of the one or more hardware processors, the UTA identifier for resolution to the routing database using the CN and retrieving the account NA from the second field of the routing database corresponding to the received UTA identifier; transmitting, via the CN and using at least one of the one or more hardware processors, the created MP message from the second terminal to the SP at the retrieved account NA; and receiving, at the SP and using at least one of the one or more hardware processors, the transmitted MP message and parsing the MP message to determine the UTA identifier and the value.