US 12,229,736 B1
Systems and methods for processing global financial transactions
James McGinlay, Staten Island, NY (US); Robert Ortiz, Clarks Green, PA (US); Barbara Stockler, Berwyn, PA (US); Joanne Strobel-Cort, Summit, NJ (US); and Leonard J. Valentino, Stamford, CT (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Apr. 5, 2021, as Appl. No. 17/222,299.
Application 17/222,299 is a continuation of application No. 15/435,683, filed on Feb. 17, 2017, granted, now 11,010,731.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/10 (2012.01)
CPC G06Q 20/10 (2013.01) 20 Claims
OG exemplary drawing
 
1. A computer-implemented method performed by a global transaction processing system, the method comprising:
receiving an information item associated with an originator;
generating an originator profile based on the information item;
causing an originator computing device to display an electronic form structured to allow the originator to designate the information item as automatically accessible to repair future data packets received from the originator;
based on an originator input received from the originator computing device, storing the information item in the originator profile as an encrypted data file;
receiving a data packet regarding a transaction request initiated by the originator, the data packet comprising information associated with the originator and information associated with a transaction recipient;
validating the data packet to determine whether the data packet includes a defect;
determining, responsive to determining that the data packet includes the defect, that the data packet is automatically repairable using the information item based on the information item corresponding to the defect, the information item being automatically accessible via the originator profile based on the originator input, such that the data packet is repairable without requesting originator approval for repairing the defect;
responsive to determining that the data packet is automatically repairable, automatically repairing the data packet by modifying the data packet to include the information item, without requesting originator approval for repairing the defect;
responsive to repairing the transaction request, generating a repaired processed transaction data packet comprising the modified data packet that includes the information item; and
transmitting the repaired processed transaction data packet to a receiving financial institution for processing the transaction request, the receiving financial institution associated with the transaction recipient associated with the transaction request.