Inbound integrated production messages transaction file splitter

Patent metadata

Field	Value
Publication number	US-9836738-B2
Application number	US-201314038519-A
Country	US
Kind code	B2
Filing date	Sep 26, 2013
Priority date	Sep 26, 2013
Publication date	Dec 5, 2017
Grant date	Dec 5, 2017

Abstract

A payment card transaction clearing system includes a payment card network. A file distribution system coupled to the payment card network includes a split processor configured to receive a batch of payment card transaction records from the payment card network, and split the batch of payment card transactions into one or more split files according to one or more processing agreements. A split monitor processor is configured to send the one or more split files to the payment card network.

First claim

What is claimed is:

1. A method of clearing payment card transactions in a payment card transaction processing system, comprising:
receiving a batch of payment card transaction records at a processor of the payment card transaction processing system;
splitting, with the processor, the batch of payment card transactions into one or more split files according to one or more processing agreements, each of the processing agreements comprising a splitting rules table stored in a computer memory of the payment card transaction processing system, the splitting rules table including: a geographic or political boundaries rules column that contains either a geographic boundary rule or a political boundary rule, a currency rules column that contains a currency-based rule, and a clearing management system (CMS) column that lists at least one clearing management system associated with the one or more processing agreements, the splitting further comprising:
determining that one or more transaction record of the batch is subject to a processing agreement requiring local clearing management specified by either the geographic boundary rule or the political boundary rule;
placing each transaction record that is subject to the processing agreement requiring local clearing management in a local split file associated with a respective processing agreement requiring local clearing management;
placing each transaction record that is not subject to any processing agreement requiring local clearing management in a global split file; and,
determining a clearing location for each transaction record according to the splitting rules table;

determining, for each of the one or more split files, that the split file can be cleared by an associated clearing management system by a close of a same business day; and
distributing to the at least one associated clearing management system, in response to determining that each of the one or more split files can be cleared by the close of the same business day, and via a network, the one or more split files according to the one or more processing agreements based on either the geographic boundary rule, the political boundary rule or the currency-based rule, the distributing further comprising:
transmitting each local split file to a local clearing management system associated with the processing agreement; and,
transmitting each global split file to a global clearing management system.

2. The method as claimed in claim 1 , wherein the splitting further comprises:
maintaining each splitting rules table according to a respective associated processing agreement.

3. The method as claimed in claim 2 , wherein the splitting further comprises:
determining the clearing location of each transaction record and writing the transaction record and the clearing location to a temporary file.

4. The method as claimed in claim 3 , wherein the splitting further comprises:
sorting the temporary file into clearing location groups according to the respective clearing location groups determined for the transaction record;
creating a split file associated with each of the clearing location groups; and,
writing the transaction records of each of the clearing location groups to the split file associated with each of the clearing location groups.

5. A payment card transaction clearing system, comprising:
a payment card network;
a file distribution system in communication with the payment card network, wherein the file distribution system includes:
a split processor configured to receive a batch of payment card transaction records from the payment card network, and split the batch of payment card transactions into one or more split files according to one or more processing agreements, each of the processing agreements comprising a splitting rules table stored in a computer memory, the splitting rules table including: a geographic or political boundaries rules column that contains either a geographic boundary rule or a political boundary rule, a currency rules column that contains a currency-based rule, and a clearing management system (CMS) column that lists at least one clearing management system associated with the one or more processing agreements, the split processor further configured to:
determine that one or more transaction record of the batch is subject to a processing agreement requiring local clearing management specified by either the geographic boundary rule or the political boundary rule;
place each transaction record that is subject to any processing agreement requiring local clearing management in a local split file associated with a respective processing agreement requiring local clearing management;
place each transaction record that is not subject to any processing agreement requiring local clearing management in a global split file; and,
determine a clearing location for each transaction record according to the splitting rules table; and

a split monitor processor configured to determine, for each of the one or more split files, that the split file can be cleared by the associated clearing management system by a close of a same business day, and transmit the one or more split files to the payment card network based on either the geographic boundary rule, the political boundary rule or the currency-based rule in response to determining that each of the one or more split files can be cleared by the close of the same business day, the distributing further comprising:
transmitting each local split file to a local clearing management system associated with the processing agreement and,
transmitting each global split file to a global clearing management system.

6. The system as claimed in claim 5 , wherein the split processor is further configured to write the transaction record and the clearing location to a temporary file.

7. The system as claimed in claim 6 , wherein the split processor is further configured to:
sort the temporary file into groups according to clearing location;
create a split file associated with each clearing location group; and,
write the transaction records of each clearing location group to the split file associated with the clearing location group.

8. A non-transitory computer-readable storage medium encoded with data and instructions, which when executed by a payment card transaction processing system the instructions causing the computing device to:
receive a batch of payment card transaction records of the payment card transaction processing system;
split the batch of payment card transactions into one or more split files according to one or more processing agreements, each of the processing agreements comprising a splitting rules table stored in a computer memory of the payment card transaction processing system, the splitting rules table including: a geographic or political boundaries rules column that contains either a geographic boundary rule or a political boundary rule, a currency rules column that contains a currency-based rule, and a clearing management system (CMS) column that lists at least one clearing management system associated with the one or more processing agreements, the splitting further comprising:
determining that one or more transaction record of the batch is subject to a processing agreement requiring local clearing management specified by either the geographic boundary rule or the political boundary rule;
placing each transaction record that is subject to any processing agreement requiring local clearing management in a local split file associated with a respective processing agreement requiring local clearing management;
placing each transaction record that is not subject to any processing agreement requiring local clearing management in a global split file; and,
determ

Assignees

• Mastercard International Inc

Inventors

• Counts Archie G
• Lyons Kevin
• Mehanovic Janice
• Pirtle Ken

Classifications

• G06Q20/34 Primary

  using cards, e.g. integrated circuit [IC] cards or magnetic cards · CPC title