US 10,951,620 B2Granted

Systems and methods for use in network services migration

AssigneeMastercard International Incorporated

InventorsPeter Joseph Watts, Andrew Kang, Darragh Whelan, Sara E. Fiebiger, Carolina Wirthmann

Life of this patent

Estimating the term…

Loading patent…

Abstract

Systems and methods are provided for migration of users to one or more services offered by a service host. An exemplary method includes detecting, by a computing device associated with the service host, a first dispute message associated with a user and transmitted from a dispute service of the service host to a clearing service of the service host, and appending the user to a black list in response to the first dispute message. The method also includes detecting, by the computing device, a second dispute message associated with the user and transmitted to the clearing service, determining whether the user is included in the black list, and rejecting the second dispute message when the user is included in the black list, thereby inhibiting the user from transmitting the second dispute message to the clearing service outside of the dispute service.

Claims17

Dependent claims

A computer-implemented method for use in migration of users to one or more services offered by a service host, the method comprising:

detecting, by at least one computing device associated with a service host, a first dispute message associated with a user;
identifying, by the at least one computing device, the first dispute message as from a dispute service offered by the service host to a clearing service associated with the service host, based on a data element (DE) included in the first dispute message having a defined value;
identifying the user associated with the first dispute message;
in response to identifying the first dispute message as from the dispute services to the clearing services and identifying the user associated with the first dispute message, appending, by the at least one computing device, the user to a black list of users in a data structure;
detecting, by the at least one computing device, a second dispute message associated with the user and transmitted from the user to the clearing service via a legacy route, wherein the legacy route is to the clearing service outside of the dispute service;
in response to the second dispute message being transmitted via the legacy route, determining, by the at least one computing device, whether the user is included in the black list of users in the data structure;
and
rejecting, by the at least one computing device, the second dispute message when the user is included in the black list of users, thereby inhibiting the user from transmitting the second dispute message to the clearing service outside of the dispute service via the legacy route.

5 more elements

A payment network for use in migration of banking intuitions to one or more services offered by the payment network, the payment network comprising:

a dispute engine computing device configured to provide a dispute resolution service for transactions;
a clearing management computing device coupled to the dispute engine computing device, the clearing management computing device configured to provide a clearing service for transactions;
and
a decision management platform coupled to the dispute engine computing device and the clearing management computing device, the decision management platform configured to:
detect a dispute message associated with a banking institution;
identify the dispute message as being transmitted from the banking institution, via one of:
the dispute engine computing device or a legacy route, based on a data element (DE) included in the dispute message having a defined value;
in response to identifying the dispute message as being transmitted from the dispute engine computing device to the clearing management computing device,
identify the banking institution associated with the dispute message;
and
append the identified banking institution to a black list of banking institutions in a data structure when the banking institution is not included in the black list of banking institutions;
and
in response to the dispute message being transmitted via the legacy route from the banking institution to the clearing management computing device:
determine whether the banking institution is included in the black list of banking institutions in the data structure;
when the banking institution is included in the black list of banking institutions, cause the clearing management computing device to reject the dispute message, thereby inhibiting the clearing management computing device from processing the dispute message when received via the legacy route and not received from the dispute engine computing device;
and
when the banking institution is not included in the black list of banking institutions, permit the clearing management computing device to process the dispute message, thereby permitting banking institutions that are not appended to the black list of banking institutions to provide the dispute message to the clearing management computing device apart from the dispute engine computing device via the legacy route.

14 more elements

A non-transitory computer-readable storage media including executable instructions for migrating users to one or more services offered by a service host, in connection with a subscription by the users for the one or more services, which when executed by at least one processor, cause the at least one processor to:

detect a first dispute message associated with a user;
identify the first dispute message as being transmitted from a first dispute service offered by a service host to a second service offered by the service host, based on a data element (DE) included in the first dispute message having a defined value;
identify the user associated with the first dispute message;
in response to identifying the first dispute message being transmitted from the first dispute service to the second service and identifying the user associated with the first dispute message, append the user to a black list of users in a data structure, when a number of dispute messages associated with the user from the first dispute service to the second service satisfies a predefined threshold;
detect a second dispute message associated with the user and transmitted from the user to the second service offered by the service host via a legacy route;
and
in response to the second dispute message being transmitted via the legacy route, either:
reject the second dispute message when the user is included in the black list of users in the data structure, thereby inhibiting the user from providing the second dispute message directly to the second service via the legacy route when the first dispute service handled the number of dispute messages for the user satisfying the predefined threshold;
or
permit the second dispute message to be processed by the second service when the user is not included in the black list of users.

7 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/114,910Filed 28 Aug 2018
Published: US 2020/0076810 A15 Mar 2020
Granted: 16 Mar 2021
Term ends: Not estimatedThe source records don’t support an estimate.

Classification10 codes

H04L 63/101
For controlling access to devices or network resources: access control lists [ACL]
G06F 21/62
Protecting data: protecting access to data via a platform, e.g. using keys or access control rules
G06F 21/6245
To a system of files or objects, e.g. local or distributed file system or database: protecting personal data, e.g. for financial or medical purposes
G06F 21/64
Protecting data: protecting data integrity, e.g. using checksums, certificates or signatures