Fallback authorization routing

Patent metadata

Field	Value
Publication number	US-11948147-B2
Application number	US-202217580084-A
Country	US
Kind code	B2
Filing date	Jan 20, 2022
Priority date	Jul 18, 2017
Publication date	Apr 2, 2024
Grant date	Apr 2, 2024

Abstract

Techniques are provided for fallback authorization routing. A merchant processor may receive authorization requests from one or more merchant systems. These authorization requests may be to authorize a transaction. The merchant processor may transmit these authorization requests over a first communication channel to an acquirer processor, which may then forward the requests to a payment network. If the merchant processor determines that the acquirer processor is not receiving the authorization requests, or is otherwise unavailable, the merchant processor may, as a fallback, transmit the authorization requests directly to the payment network through a second communication channel, thereby bypassing the acquirer processor. When the merchant processor receives some indication that the acquirer processor is available to process authorization requests, new authorization requests can be transmitted to the acquirer processor via the first communication channel.

First claim

What is claimed is:

1. A method comprising performing, by a merchant processor gateway:
receiving, from one or more merchant computer systems, first authorization requests corresponding to a first set of transactions;
sending, via a first network communication channel between the merchant processor gateway and an acquirer processor server, the first authorization requests to the acquirer processor server that forwards the first authorization requests to a payment network;
determining an availability of the acquirer processor server;
after determining the availability of the acquirer processor server:
receiving, from the acquirer processor server, first authorization responses; and
sending the first authorization responses to the one or more merchant computer systems, thereby causing completion of the first set of transactions;

subsequently, determining an unavailability of the acquirer processor server,
wherein determining the availability and the unavailability of the acquirer processor server involves:
receiving a number of heartbeat messages from the acquirer processor server over a time period,
comparing the number of heartbeat messages received over the time period to an expected number of heartbeat messages to be received over that time period, the expected number of heartbeat messages determined based on a specified heartbeat message rate and a length of the time period,
when a difference between an expected number of heartbeat messages received and the number of heartbeat messages received is less than a predetermined threshold value, determining the acquirer processor server to be available, and

when the difference between the expected number of heartbeat messages received and the number of heartbeat messages received is greater than the predetermined threshold value, determining the acquirer processor server to be unavailable;
after determining the unavailability of the acquirer processor server:
receiving, from the one or more merchant computer systems, second authorization requests corresponding to a second set of transactions;
sending, via a second network communication channel between the merchant processor gateway and the payment network that does not include the acquirer processor server, the second authorization requests to the payment network, thus bypassing the acquirer processor server;

receiving, from the payment network via the second network communication channel, second authorization responses; and
sending the second authorization responses to the one or more merchant computer systems, thereby causing completion of the second set of transactions.

2. The method of claim 1 , further comprising:
receiving, from the one or more merchant computer systems, capture requests corresponding to the second set of transactions; and
sending the capture requests to the acquirer processor server or a backup acquirer processor server as part of a settlement process.

3. The method of claim 2 , wherein sending the capture requests as part of a settlement process involves:
retrieving an authorization record from a non-transitory computer readable medium; and
sending the authorization record and capture requests to the acquirer processor server as part of a settlement process.

4. The method of claim 2 , wherein sending the capture requests as part of a settlement process involves:
sending the capture requests to the acquirer processor server over the first network communication channel as part of a settlement process as a forced capture.

5. The method of claim 2 , wherein sending the capture requests as part of a settlement process involves:
sending the capture requests to a backup acquirer processor server over the first network communication channel or a third network communication channel as part of a settlement process.

6. The method of claim 2 , further comprising:
extracting transaction information from the first authorization responses and storing the transaction information in a database; and
sending the transaction information along with the capture requests to the acquirer processor server during the settlement process.

7. The method of claim 1 , wherein determining the availability of the acquirer processor server involves:
determining a number of first authorization requests received by the acquirer processor server over the first network communication channel; and
calculating a ratio of the number of first authorization requests received by the acquirer processor server to the number of first authorization requests,
when the ratio of the number of first authorization requests received by the acquirer processor server to the number of first authorization requests is less than a predetermined threshold value, determining the acquirer processor server to be unavailable; and
when the ratio of the number of first authorization requests received by the acquirer processor server to the number of first authorization requests is greater than a predetermined threshold value, determining the acquirer processor server to be available.

8. The method of claim 1 , further comprising:
receiving an indication from the acquirer processor server over the first network communication channel or a third network communication channel indicating that the acquirer processor server is available to receive capture requests for a third set of authorization request messages.

9. A merchant processor gateway comprising:
a processor; and
a non-transitory computer readable medium coupled to the processor, the non- transitory computer readable medium comprising code executable by the processor for performing a method comprising:
receiving, from one or more merchant computer systems, first authorization requests corresponding to a first set of transactions;
sending, via a first network communication channel between the merchant processor gateway and an acquirer processor server, the first authorization requests to the acquirer processor server that forwards the first authorization requests to a payment network;
determining an availability of the acquirer processor server;
after determining the availability of the acquirer processor server:
receiving, from the acquirer processor server, authorization responses;
determining an unavailability of the acquirer processor server,
wherein determining the availability and the unavailability of the acquirer processor server involves:
receiving a number of heartbeat messages from the acquirer processor server over a time period,
comparing the number of heartbeat messages received over the time period to an expected number of heartbeat messages to be received over that time period, the expected number of heartbeat messages determined based on a specified heartbeat message rate and a length of the time period,
when a difference between an expected number of heartbeat messages received and the number of heartbeat messages received is less than a predetermined threshold value, determining the acquirer processor server to be available, and

when the difference between the expected number of heartbeat messages received and the number of heartbeat messages received is greater than the predetermined threshold value, determining the acquirer processor server to be unavailable
after determining the unavailability of the acquirer processor server:
receiving, from the one or more merchant computer systems, second authorization requests corresponding to a second set of transactions;
sending, via a second network communication channel between the merchant processor gateway and the payment network that does not include the acquirer processor server, the second authorization requests to the payment network, thus bypassing the acquirer processor server;
receiving,

Assignees

• Visa Int Service Ass

Inventors

• Mclaughlin Robert Dean
• Kannikeswaran Balakrishnan
• Abraham Biju
• Joseph Roshin

Classifications

• 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

• G06Q20/405

  Establishing or using transaction specific rules · CPC title

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q40/04

  Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange · CPC title

• H04L5/20

  using different combinations of lines, e.g. phantom working · CPC title