Visa International Service Association

Gregory Loomis

Shantnu Singh

Manikandan Radhakrishnan

Described herein are systems and techniques in which a service provider may determine one or more capabilities of an authorization provider. To do this, the service provider may, upon receiving a request to determine authorization provider capabilities that includes at least an account identifier and an indication of a transaction type, identify a prototype message template associated with the indicated transaction type from a plurality of prototype transaction templates. The service provider may then overwrite a number of default data values with data values specific to the transaction to generate a prototype message for the transaction, which it may then send to the authorization provider. Upon receiving a response from the authorization provider, the service provider may determine whether the authorization provider is capable of conducting a transaction of the indicated transaction type based on information included within the received response.

Prototype message service

A method is disclosed. The method comprising receiving, by a processor computer from a coordination computer, a push transfer instruction message comprising a recipient address associated with a recipient, a data item, and a time period for transferring the data item to a recipient account associated with the recipient address. The method also includes storing, by the processor computer, the push transfer instruction message. After the time period, the push transfer instruction message comprising the data item is transmitted to a recipient authorizing entity computer associated with the recipient address to transfer the data item.

Growing community of inventors

Fremont, CA, United States of America

Gregory Loomis