US 12,443,931 B1
Systems and methods for funds transfers via a federated directory
Alan W. Hecht, Chanhassen, MN (US); Azita Asefi, Vacaville, CA (US); and Ann M. Kirk, Deerwood, MN (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 Nov. 14, 2022, as Appl. No. 17/986,587.
Application 17/986,587 is a continuation of application No. 17/240,296, filed on Apr. 26, 2021, granted, now 11,501,270.
Application 17/240,296 is a continuation of application No. 15/345,832, filed on Nov. 8, 2016, granted, now 10,990,936.
Claims priority of provisional application 62/267,119, filed on Dec. 14, 2015.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 30/00 (2023.01); G06Q 20/10 (2012.01); G06Q 20/22 (2012.01); G06Q 20/32 (2012.01); H04W 4/12 (2009.01)
CPC G06Q 20/10 (2013.01) [G06Q 20/102 (2013.01); G06Q 20/223 (2013.01); G06Q 20/3223 (2013.01); H04W 4/12 (2013.01)] 19 Claims
OG exemplary drawing
 
10. A method, comprising:
receiving, by a processing circuit of a federated directory management computer system, data from two or more peer-to-peer payment directories, the data comprising information pertaining to a plurality of users, each of which are enrolled with at least one of the two or more peer-to-peer payment directories;
normalizing, by the processing circuit of the federated directory management computer system, the received data to create a uniform database by:
converting at least a first portion of the received data into a uniform file type and excluding a second portion of the received data, the second portion of the received data ineligible for conversion to the uniform file type; and
providing the converted first portion of the received data to the uniform database and refraining from providing the second portion of the received data to the uniform database, the converted first portion of the received data provided to the uniform database according to a categorization based on a characteristic of the uniform file type;
identifying, by the processing circuit of the federated directory management computer system, a data collision involving the normalized received data within the uniform database, the data collision including a data collision type;
resolving, by the processing circuit of the federated directory management computer system based on the data collision type and according to at least a first predefined rule stored by the processing circuit, the data collision;
receiving, by the processing circuit of the federated directory management computer system, a request for a fund transfer to a payee;
determining, by the processing circuit of the federated directory management computer system based on a query of the normalized received data within the uniform database and the request, that the fund transfer is either an interdirectory transfer or an intradirectory transfer;
identifying, by the processing circuit of the federated directory management computer system based on the determination and according to at least a second predefined rule stored by the processing circuit, a payment rail for the fund transfer; and
processing, by the processing circuit of the federated directory management computer system based on the determination, the fund transfer via the identified fund rail.