Systems and methods for processing off-network transaction messages

US11062309B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Frederick Michael Pacher · Williston Park, US
• Mikhail Blinov · Dublin, IE
• Edwin V. Diekemper · Marine, US
• Peter Groarke · Dublin, IE

Key dates

• Filing date: Jul 30, 2018
• Grant date: Jul 13, 2021
• Expiry date: Apr 8, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/425
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A computer-implemented method for applying enrichment services hosted on a second interchange network to a payment transaction initiated over a first interchange network is provided. A transfer process module hosted on the first interchange network receives a first service request from a requestor, formatted in accordance with a first set of proprietary communications standards associated with the first payment network, and transforms the first service request to a second service request formatted in accordance with a second set of proprietary communications standards associated with the second payment network. An enrichment services computer system hosted on the second interchange network receives the second service request and generates a first service response formatted in accordance with the first set of proprietary communications standards. The first service response is transformed at the transfer process module to create a second service response formatted in accordance with the second set of proprietary communications standards.