Systems and methods for pre-processing network messages to optimize routing

Patent metadata

Field	Value
Publication number	US-11127004-B2
Application number	US-201615047415-A
Country	US
Kind code	B2
Filing date	Feb 18, 2016
Priority date	Feb 18, 2016
Publication date	Sep 21, 2021
Grant date	Sep 21, 2021

Abstract

A message routing and pre-processing (MRP) computing device is described herein. The MRP computing device is configured to receive an authorization request message associated with a transaction initiated by a cardholder with a merchant, the authorization request message including authorization parameters of the transaction, and retrieve a plurality of potential authorization routes for the authorization request message. Each potential authorization route includes routing parameters and is associated with a respective transaction processing network (TPN). The MRP computing device is also configured to compare the authorization parameters to the routing parameters of each potential authorization route to determine an optimized authorization route for the authorization request message. The optimized authorization route includes routing parameters that most closely match the authorization parameters. The optimized authorization route is associated with a first TPN. The MRP computing device is further configured to route the authorization request message to the first TPN for authorization processing.

First claim

What is claimed is:

1. A message routing and pre-processing (MRP) computing device in communication with a gateway transaction processing network (TPN), the gateway TPN communicatively coupled to a plurality of other TPNs and configured to route messages to the plurality of other TPNs, said MRP computing device comprising a processor in communication with a memory, said processor programmed to:
store, in said memory, prioritized authorization parameters associated with a respective transaction initiator that define transaction processing preferences of the transaction initiator, the prioritized authorization parameters indexed in said memory according to an identifier of the corresponding transaction initiator, wherein each transaction initiator is one of a merchant, acquirer, and cardholder;
receive, from an acquirer computing device of a first acquirer, a first electronic authorization request message associated with a first transaction initiated by a first cardholder with a first merchant, the first electronic authorization request message including an identifier of a first transaction initiator, wherein the first transaction initiator includes at least one of the first cardholder, the first merchant, and the first acquirer associated with the first merchant;
retrieve, from said memory, two or more prioritized authorization parameters set by the first transaction initiator, based on the identifier of the first transaction initiator, the two or more prioritized authorization parameters including a highest priority parameter of transaction processing speed and at least one other lower priority parameter;
retrieve a plurality of potential authorization routes for the first electronic authorization request message, each potential authorization route including current routing parameters, and each potential authorization route associated with a respective TPN of the plurality of other TPNs;
compare the prioritized authorization parameters to the current routing parameters of each potential authorization route associated with each respective TPN of the plurality of other TPNs to determine a current optimized authorization route for the first electronic authorization request message from the plurality of potential authorization routes, wherein the current optimized authorization route includes the current routing parameters that most closely match a priority of the prioritized authorization parameters including being associated with a highest transaction processing speed, the current optimized authorization route associated with a first TPN of the plurality of other TPNs;
route the first electronic authorization request message to the gateway TPN with routing instructions that cause the gateway TPN to transmit the first electronic authorization request message to the first TPN for authorization processing;
after routing, generate an optimized route record associated with the first transaction, wherein the optimized route record includes an identifier of the first TPN that routed the first electronic authorization request message, the current routing parameters used to identify the first TPN as associated with the current optimized authorization route, and an identifier of the first electronic authorization request message routed by the first TPN;
store the optimized route record in said memory, wherein the optimized route record is retrievable from said memory, using the identifier of the first electronic authorization request message;
receive, from the acquirer computing device, a clearing message for a clearing process associated with the first transaction, the clearing process configured to transmit additional data associated with the first transaction among parties to the first transaction;
retrieve, in response to the clearing message, the optimized route record from said memory; and
transmit the optimized route record to the gateway TPN for use in the clearing process for the first transaction.

2. The MRP computing device of claim 1 , wherein the current routing parameters include at least one of an interchange rate, transaction processing standards, a card type parameter, a transaction security parameter, and a transaction liability parameter associated with respective ones of the plurality of other TPNs.

3. The MRP computing device of claim 1 , wherein said processor is further programmed to:
facilitate display of a graphical user interface including a rule input module; and
receive the transaction processing preferences set by the first transaction initiator as input to the rule input module.

4. The MRP computing device of claim 1 , wherein the at least one other lower priority parameter includes a lower priority parameter of a lowest routing cost, and wherein said processor is further programmed to determine which potential authorization route of the plurality of potential authorization routes for the first electronic authorization request message includes the current routing parameter associated with the lowest routing cost.

5. The MRP computing device of claim 1 , wherein said processor is further programmed to receive the authorization parameters in a pre-processing request message and select the current optimized authorization route for the first electronic authorization request message prior to receiving the first electronic authorization request message.

6. A computer-implemented method for optimized message routing using a message routing and pre-processing (MRP) computing device in communication with a gateway transaction processing network (TPN), the gateway TPN communicatively coupled to a plurality of other TPNs and configured to route messages to the plurality of other TPNs, wherein the MRP computing device includes a processor in communication with a memory, said method comprising:
storing, in the memory, prioritized authorization parameters associated with a respective transaction initiator that define transaction processing preferences of the transaction initiator, the prioritized authorization parameters indexed in the memory according to an identifier of the corresponding transaction initiator, wherein each transaction initiator is one of a merchant, acquirer, and cardholder;
receiving, from an acquirer computing device of a first acquirer, a first electronic authorization request message associated with a first transaction initiated by a first cardholder with a first merchant, the first electronic authorization request message including an identifier of a first transaction initiator, wherein the first transaction initiator includes at least one of the first cardholder, the first merchant, and the first acquirer associated with the first merchant;
retrieve, from the memory, two or more prioritized authorization parameters set by the first transaction initiator, based on the identifier of the first transaction initiator, the two or more prioritized authorization parameters including a highest priority parameter of transaction processing speed and at least one other lower priority parameter;
retrieving a plurality of potential authorization routes for the first electronic authorization request message, each potential authorization route including current routing parameters, and each potential authorization route associated with a respective TPN of the plurality of other TPNs;
comparing the prioritized authorization parameters to the current routing parameters of each potential authorization route associated with each respective TPN of the plurality of other TPNs to determine a current optimized authorization route for the first electronic authorization request message from the plurality of potential authorization routes, wherein the current optimized authorization route includes the current routing parameters that most closely match a priority of the prioritized authorization

Assignees

• Mastercard International Inc

Inventors

• Lorberg Dana J
• Malhotra Sandeep

Classifications

• G06Q30/06

  Buying, selling or leasing transactions · CPC title

• G06Q20/00

  Payment architectures, schemes or protocols (apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12) · CPC title

• G06Q10/06

  Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling · CPC title

• G06Q20/40 Primary

  Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists · CPC title

• H04L45/14

  Routing performance; Theoretical aspects · CPC title