System, method, and computer program product for real-time payment gateway event monitoring

Patent metadata

Field	Value
Publication number	US-11475463-B2
Application number	US-202016993558-A
Country	US
Kind code	B2
Filing date	Aug 14, 2020
Priority date	Aug 16, 2019
Publication date	Oct 18, 2022
Grant date	Oct 18, 2022

Abstract

Described are a system, method, and computer program product for real-time payment gateway event monitoring. The method includes receiving input data from a merchant system including an application URL associated with a merchant control interface having a web socket programmed and/or configured to persistently listen for HTTP POST messages, and an event of a payment gateway system. The method also includes monitoring ongoing events of the payment gateway system associated with ongoing transaction messages communicated from point-of-sale (POS) devices to the payment gateway system and detecting the event in the ongoing events. The method further includes, in response to detection of the event, generating a HTTP POST message including event data of the event, and communicating the HTTP POST message to the application URL to cause the merchant control interface to display the event data in a chart for visual representation of the event data.

First claim

What is claimed is:

1. A computer-implemented method comprising:
receiving, with at least one processor, input data from a merchant system comprising (i) an application URL associated with a merchant control interface having a web socket programmed and/or configured to persistently listen for HTTP POST messages, and (ii) an identifier of at least one event of a payment gateway system, the at least one event predetermined to trigger notifications to the merchant control interface;
monitoring, with at least one processor, ongoing events of the payment gateway system associated with ongoing transaction messages communicated from at least one point-of-sale (POS) device to the payment gateway system;
detecting, with at least one processor, the at least one event in the ongoing events; and
in response to detection of the at least one event:
generating, with at least one processor, at least one HTTP POST message comprising event data of the at least one event; and
communicating, with at least one processor, the at least one HTTP POST message to the application URL to cause the merchant control interface to display the event data in at least one chart for visual representation of the event data.

2. The computer-implemented method of claim 1 , further comprising generating a notification routing table based on the input data, the notification routing table comprising a plurality of application URLs each associated with one or more events, wherein the at least one HTTP POST message is generated based on the notification routing table and communicated to the application URL based on an association of the application URL with the identifier of the at least one event in the notification routing table.

3. The computer-implemented method of claim 1 , wherein the at least one event comprises at least one recurring event, the method further comprising continually monitoring, with at least one processor, the ongoing events to generate a plurality of HTTP POST messages triggered from the at least one recurring event, wherein each HTTP POST message of the plurality of HTTP POST messages is associated with an instance of the at least one recurring event.

4. The computer-implemented method of claim 3 , further comprising:
storing, with at least one processor in a database, additional event data associated with the plurality of HTTP POST messages triggered from the at least one recurring event; and
generating, with at least one processor, display data configured to cause the merchant control interface to display searchable records comprising the additional event data.

5. The computer-implemented method of claim 1 , wherein the ongoing events comprise authorization request messages, the at least one event comprises detection of a fraudulent authorization request message, and the at least one HTTP POST message comprises a categorization of the at least one event as fraudulent, the HTTP POST message further configured to cause the merchant system to execute a fraud mitigation process.

6. The computer-implemented method of claim 1 , wherein the at least one HTTP POST message is generated and communicated to the application URL immediately after detection of the at least one event.

7. The computer-implemented method of claim 6 , wherein the at least one HTTP POST message is further configured to cause the web socket of the merchant control interface to generate a message to the at least one POS device identifying the at least one event immediately after detecting the HTTP POST message.

8. A system comprising at least one server computer including at least one processor, the at least one server computer programmed and/or configured to:
receive input data from a merchant system comprising (i) an application URL associated with a merchant control interface having a web socket programmed and/or configured to persistently listen for HTTP POST messages, and (ii) an identifier of at least one event of a payment gateway system, the at least one event predetermined to trigger notifications to the merchant control interface;
monitor ongoing events of the payment gateway system associated with ongoing transaction messages communicated from at least one point-of-sale (POS) device to the payment gateway system;
detect the at least one event in the ongoing events; and
in response to detection of the at least one event:
generate at least one HTTP POST message comprising event data of the at least one event; and
communicate the at least one HTTP POST message to the application URL to cause the merchant control interface to display the event data in at least one chart for visual representation of the event data.

9. The system of claim 8 , wherein the at least one server computer is further programmed and/or configured to generate a notification routing table based on the input data, the notification routing table comprising a plurality of application URLs each associated with one or more events, wherein the at least one HTTP POST message is generated based on the notification routing table and communicated to the application URL based on an association of the application URL with the identifier of the at least one event in the notification routing table.

10. The system of claim 8 , wherein the at least one event comprises at least one recurring event, wherein the at least one server computer is further programmed and/or configured to continually monitor the ongoing events to generate a plurality of HTTP POST messages triggered from the at least one recurring event, wherein each HTTP POST message of the plurality of HTTP POST messages is associated with an instance of the at least one recurring event.

11. The system of claim 10 , wherein the at least one server computer is further programmed and/or configured to:
store additional event data associated with the plurality of HTTP POST messages triggered from the at least one recurring event; and
generate display data configured to cause the merchant control interface to display searchable records comprising the additional event data.

12. The system of claim 8 , wherein the ongoing events comprise authorization request messages, the at least one event comprises detection of a fraudulent authorization request message, and the at least one HTTP POST message comprises a categorization of the at least one event as fraudulent, the HTTP POST message further configured to cause the merchant system to execute a fraud mitigation process.

13. The system of claim 8 , wherein the at least one HTTP POST message is generated and communicated to the application URL immediately after detection of the at least one event.

14. The system of claim 13 , wherein the at least one HTTP POST message is further configured to cause the web socket of the merchant control interface to generate a message to the at least one POS device identifying the at least one event immediately after detecting the HTTP POST message.

15. A computer program product comprising at least one non-transitory computer-readable medium including program instructions that, when executed by at least one processor, cause the at least one processor to:
receive input data from a merchant system comprising (i) an application URL associated with a merchant control interface having a web socket programmed and/or configured to persistently listen for HTTP POST messages, and (ii) an identifier of at least one event of a payment gateway system, the at least one event predetermined to trigger notifications to the merchant control interface;
monitor ongoing events of the payment gateway system associated with ongoing transaction messages communicated from at least one poi

Assignees

• Visa Int Service Ass

Inventors

• Gupta Anurag
• Saravanan Jagadeesh
• Singh Richa

Classifications

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title

• G06Q30/0185 Primary

  Product, service or business identity fraud · CPC title

• G06Q20/4016

  involving fraud or risk level assessment in transaction processing · CPC title

• G06Q20/10

  specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems · CPC title

• G06F16/9566

  URL specific, e.g. using aliases, detecting broken or misspelled links · CPC title