Systems and methods for consolidated message processing

Patent metadata

Field	Value
Publication number	US-10909537-B2
Application number	US-202016834887-A
Country	US
Kind code	B2
Filing date	Mar 30, 2020
Priority date	Aug 25, 2016
Publication date	Feb 2, 2021
Grant date	Feb 2, 2021

Abstract

A network translation computing device for processing consolidated messages is disclosed. The network translation computing device receives a web-based authentication response including a plurality of data elements in a web-based format. The network translation computing device translates the plurality of data elements from the web-based format to a network-based format. The network translation computing device generates a network-format authorization request message including the plurality of data elements in the network-based format. The network translation computing device transmits the network-format authorization request message to an issuer of the transaction card to initiate an authorization process of the transaction.

First claim

What is claimed is:

1. A network translation computing device for processing consolidated messages, said network translation computing device including a processor in communication with a memory, said processor programmed to:
receive, on behalf of a merchant, a web-based authentication request including a plurality of request data elements in a web-based format, the web-based authentication request requesting authentication of a transaction initiated by a cardholder using a transaction card at the merchant;
transmit, to an access control server associated with an issuer of the transaction card, the web-based authentication request;
receive, from the access control server, a web-based authentication response including a plurality of response data elements in the web-based format, wherein the web-based authentication response is associated with successful authentication of the transaction by the access control server associated with the issuer;
translate the plurality of response data elements from the web-based format to a network-based format;
transmit an authorization request message, having the plurality of response data elements in the network-based format included therein, to the issuer of the transaction card to initiate an authorization process of the transaction.

2. The network translation computing device of claim 1 , said processor further programmed to transmit the authorization request message to the issuer without transmitting the web-based authentication response to the merchant computing device.

3. The network translation computing device of claim 1 , said processor further programmed to generate the authorization request message without receiving any messages associated with the transaction from an acquirer associated with the merchant.

4. The network translation computing device of claim 3 , said processor further programmed to transmit the authorization request message to the acquirer.

5. The network translation computing device of claim 3 , said processor further programmed to:
receive an authorization response from the issuer, wherein the authorization response includes an authorization of the transaction; and
transmit, in response to the authorization of the transaction by the issuer, an authorization notification message to the acquirer.

6. The network translation computing device of claim 1 , wherein the authorization notification message includes at least some of the plurality of response data elements of the transaction.

7. The network translation computing device of claim 1 , wherein the plurality of response data elements include the plurality of request data elements and at least one authentication indicator indicating authentication of the transaction was successful.

8. A method for processing consolidated messages, said method comprising:
routing, by a directory server, a web-based authentication request from a merchant to an access control server, wherein the web-based authentication request includes a plurality of data elements in a web-based format and is associated with authentication of a transaction initiated by a cardholder using a payment card at the merchant, wherein the access control server is associated with an issuer of the payment card;
receiving, by the directory server, a web-based authentication response from the access control server, wherein the web-based authentication response includes the plurality of data elements in the web-based format as well as one or more additional authentication indicators indicating successful authentication of the transaction; and
routing, by the directory server, the web-based authentication response to a network translation computing device for translation into a network-based format.

9. The method of claim 8 , further comprising:
receiving, by the network translation computing device, the web-based authentication response;
translating, by the network translation computing device, the plurality of data elements and the one or more authentication indicators from the web-based format to a network-based format;
transmitting, by the network translation computing device, an authorization request message to the issuer to initiate an authorization process, wherein the authorization request message includes the plurality of data elements and the one or more authentication indicators in the network-based format.

10. The method of claim 8 , further comprising:
retrieving, by the network translation computing device, a plurality of rules defining whether a transaction is eligible to have the plurality of data elements and the one or more authentication indicators translated; and
confirming, by the network translation computing device, that the transaction meets the plurality of rules to be eligible for translation.

11. The method of claim 8 , further comprising transmitting, by the network translation computing device, the network-format authorization request message to an acquirer associated with the merchant without further input from the merchant.

12. The method of claim 11 , further comprising:
generating, by the network translation computing device, an authorization notification message including at least some of the plurality of data elements of the transaction; and
transmitting, by the network translation computing device, the authorization notification message to an acquirer associated with the merchant.

13. The method of claim 8 , further comprising identifying, by the directory server, the access control server associated with the issuer of the payment card.

14. A computer-implemented method for processing consolidated messages, said method implemented using a network translation computing device, said method comprising:
receiving, on behalf of a merchant, a web-based authentication request including a plurality of data elements in a web-based format, the web-based authentication request requesting authentication of a transaction initiated by a cardholder using a transaction card at the merchant;
transmitting, to an access control server associated with an issuer of the transaction card, the web-based authentication request;
receiving, by the network translation computing device from the access control server, a web-based authentication response, wherein the web-based authentication response includes the plurality of data elements in the web-based format as well as one or more authentication indicators indicating successful authentication of the transaction by the access control server associated with the issuer;
translating, by the network translation computing device, the plurality of data elements and the one or more authentication indicators from the web-based format to a network-based format;
transmitting, by the network translation computing device, an authorization request message, having the plurality of data elements and the one or more authentication indicators in the network-based format included therein, to the issuer to initiate an authorization process.

15. The method of claim 14 , said method further implemented using a directory server, said method further comprising:
routing, by the directory server, the web-based authentication request from a merchant to the access control server;
receiving, by the directory server, the web-based authentication response from the access control server; and
routing, by the directory server, the web-based authentication response to the network translation computing device.

16. The method of claim 14 , further comprising:
retrieving, by the network translation computing device, a plurality of rules defining whether a transaction is eligible to h

Assignees

• Mastercard International Inc

Inventors

• Groarke Peter
• Hosny Ahmed

Classifications

• G06Q20/401 Primary

  Transaction verification · CPC title

• H04L67/565

  Conversion or adaptation of application format or content (adding application control or application functional data H04L67/561) · CPC title

• H04L67/02

  based on web technology, e.g. hypertext transfer protocol [HTTP] · CPC title

• G06Q20/356

  Aspects of software for card payments · CPC title

• G06Q20/02

  involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] · CPC title