US 12,340,351 B2
Systems and methods for use in cancellation of or closure of network requests
An Ni Tan, London (GB); Emma Rayment, Hemel Hempstead (GB); and Debarshi Debnath, London (GB)
Assigned to VOCALINK INTERNATIONAL LIMITED, London (GB)
Filed by VOCALINK INTERNATIONAL LIMITED, London (GB)
Filed on Sep. 16, 2022, as Appl. No. 17/946,667.
Prior Publication US 2024/0095691 A1, Mar. 21, 2024
Int. Cl. G06Q 20/02 (2012.01); G06Q 20/10 (2012.01)
CPC G06Q 20/02 (2013.01) [G06Q 20/102 (2013.01)] 9 Claims
OG exemplary drawing
 
1. A computer-implemented method for use in cancelling or closing a request, the method comprising:
receiving, by a computing device of a processing network, from a service provider, a request indicative of a payment action by a payer institution, the service provider being a biller service provider, the biller service provider being separate from the processing network, and the payer institution being separate from the processing network;
issuing, by the computing device, a first technical acknowledgment to the service provider in response to the request from the service provider, the first technical acknowledgement including a unique identifier for the payment action;
identifying, by the computing device, the payer institution based on the request; and then,
forwarding, by the computing device, the request from the service provider to the identified payer institution;
receiving, by the computing device, from the payer institution, a confirmation advise specific to the request from the service provider, the confirmation advise including a status of the request indicating that the payment action is scheduled for a later date; and then,
after forwarding the request from the service provider to the payer institution, receiving, by the computing device, from the service provider, a payment request cancellation specific to the payment action, the payment request cancellation including said unique identifier for the payment action and a reason code for the payment request cancellation, the reason code indicating one of: a wrong amount, an invalid date, a duplicate payment, or a modified transaction; and then,
in response to the payment request cancellation:
changing, by the computing device, the status of the request from the service provider from scheduled to cancelled or closed according to the payment request cancellation;
issuing, by the computing device, a second technical acknowledgment for the payment request cancellation to the service provider; and
forwarding, by the computing device, the payment request cancellation to the payer institution;
in response to the forwarded payment request cancellation, receiving, by the computing device, from the payer institution, a reply specific to the payment request cancellation, the reply including an approval of the payment request cancellation;
in response to the reply specific to the payment request cancellation:
issuing, by the computing device, a third technical acknowledgment for the payment request cancellation to the service provider; and
forwarding, by the computing device, the reply specific to the payment request cancellation to the service provider;
wherein the request indicative of the payment action, the first technical acknowledgment, the confirmation advise specific to the request, the payment request cancellation, the second technical acknowledgment, the reply specific to the payment request cancellation and the third technical acknowledgment are each consistent with an International Organization for Standardization (ISO) 20022 format.