Message handling at a mobile gateway for managing data structures and sub-structures
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United States of America Patent
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Jun 25, 2019
Grant Date -
Mar 24, 2016
app pub date -
Sep 18, 2015
filing date -
Sep 18, 2014
priority date (Note) -
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Abstract
Users of mobile devices communicate through a mobile gateway to a transaction processing system. The transaction processing system manages accounts, such as debit card accounts, for the users. The accounts include a main account for each user and sub accounts that are linked or related to the main account. Funds may be transferred between a main account and its linked sub accounts, including automatic funds transfer when a transaction (e.g., a payroll deposit from an employer or a debit transaction at a specified retailer) is made against the main account and meets certain parameters established by a user. Access to linked sub accounts is made through use of internal account IDs, rather than the account number of the main account.
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