US 12,321,907 B2
Data processing utilizing a digital tag
Ankush Singhal, Dublin, CA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US)
Filed on Dec. 7, 2023, as Appl. No. 18/533,061.
Application 18/533,061 is a division of application No. 17/384,384, filed on Jul. 23, 2021, granted, now 11,875,319.
Prior Publication US 2024/0104530 A1, Mar. 28, 2024
Int. Cl. G06Q 20/10 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01); H04L 67/55 (2022.01)
CPC G06Q 20/102 (2013.01) [G06Q 20/3276 (2013.01); G06Q 20/401 (2013.01); H04L 67/55 (2022.05)] 14 Claims
OG exemplary drawing
 
1. A method comprising:
managing, by an application server computer, a transfer application executed on a first user device;
receiving, by the application server computer from the first user device executing the transfer application, a payload comprising a digital tag associated with a second user and a first transaction amount for a transaction, wherein a first user operating the first user device is registered with the application server computer and the second user is not registered with the application server computer, wherein the digital tag is received by the transfer application by identifying the digital tag as part of data embedded in a quick response (QR) code captured by the transfer application, wherein the digital tag is compatible with a plurality of transfer applications without requiring the second user to register with each one of the plurality of transfer applications, wherein the digital tag is identifiable by the application server computer managing any one of the plurality of transfer applications;
generating, by the application server computer, a push transfer message comprising the first transaction amount, and the digital tag, a primary account number, or a token associated with the second user, the digital tag being associated with the primary account number or the token;
transmitting, by the application server computer, the push transfer message to a processing network computer, which routes the push transfer message to an authorizing entity computer associated with the primary account number, and which credits the primary account number for a second amount that is determined by subtracting a remainder amount from the first transaction amount; and
performing a settlement process between at least the processing network computer, the authorizing entity computer, and the application server computer, wherein the processing network computer provides a service amount to the application server computer, the service amount being less than the remainder amount.