| CPC G06Q 20/108 (2013.01) [G06F 16/252 (2019.01); G06Q 20/085 (2013.01)] | 20 Claims |
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1. A convertor computing device comprising at least one processor communicatively coupled to a database and operable to reduce messaging traffic over a network, the at least one processor configured to:
store entity profile data associated with an entity in the database, wherein the entity profile data includes entity account data, batch receiver account data associated with a batch receiver account of a batch receiver, and batch receiver country data associated with a batch receiver country in which the batch receiver account is located, wherein the batch receiver country data differs from entity country data associated with the entity account data, and wherein the entity account data is associated with an originating country;
store user profile data in the database for a plurality of users associated with the entity, wherein the user profile data identifies a plurality of recipients and, for each of the recipients, includes recipient bank data, recipient account data associated with a recipient account, individual transfer amount data associated with an individual transfer amount from one of the users, and recipient country data associated with a recipient country, wherein the recipient country data differs from the entity country data, and wherein the recipient country differs from the originating country;
generate, based on the user profile data in the database, sets of transfer data, wherein each of the sets of transfer data identifies each of the recipients using a corresponding unique recipient identifier, the associated recipient country data of each recipient, and the associated individual transfer amount data from the one of the users;
assign a unique transfer identifier to each set of transfer data;
match the associated recipient country data of each set of transfer data to the batch receiver country data;
aggregate, based on the matching, the individual transfer amount data of a subset of the sets of transfer data into a batch amount data associated with a batch transfer amount, wherein the subset of the sets of transfer data includes the associated recipient country data matching the batch receiver country data, and wherein the subset of the sets includes two or more of the unique recipient identifiers, each associated with each recipient;
generate a single electronic message comprising the subset of the sets of transfer data and the batch amount data, wherein the subset of the sets of transfer data includes the unique transfer identifiers associated with each of the subset of the sets of transfer data, each of the unique transfer identifiers enabling at least one client computing device associated with the batch receiver account to unbundle the batch transfer amount after transferring the single electronic message to the recipient country;
cause, using the single electronic message, transfer, based on the matching of the associated recipient country data of each set of transfer data to the batch receiver country data and via a payment processing network associated with the convertor computing device, of the batch amount data from an entity account identified by the entity account data associated with the originating country to the batch receiver account associated with the recipient country;
match the associated recipient country data of each set of transfer data to the batch receiver country data;
generate an instruction data file that electronically instructs an automatic disbursement of the individual transfer amounts associated with the individual transfer amount data from the batch receiver account to the recipient accounts of the associated recipients, wherein each of the disbursements is instructed to occur within a border of the matching batch receiver country;
cause, using the instruction data file, the at least one client computing device associated with the batch receiver account to unbundle the batch transfer amount associated with the transferred batch amount data, using the unique transfer identifier and each unique recipient identifier, within the border of the matching batch receiver country, such that each individual transfer amount of the batch transfer amount is disbursed from the batch receiver to each corresponding recipient account; and
cause a graphical user interface including a transfer summary screen to be displayed on a client computing device of each of the users included in the single electronic message showing the individual transfer amount for the associated user from the unbundled batch transfer amount.
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