# US 12,118,551 B2 · Systems and methods for single message transactions with batch settlement

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- Number: US 12,118,551 B2
- Document ID: US12118551B2
- Status: Granted
- Kind: B2
- Application number: 18/061,144
- Filed: 2022-12-02
- Published: 2023-04-06
- Granted: 2024-10-15
- Earliest claimed: 2020-08-17
- Assignees: Worldpay, LLC
- Applicants: Worldpay, LLC
- Inventors: Ramesh Vijayaraghavan; Samuel Adams
- Web page: https://patentgrep.com/patent/US12118551B2

## CPC

- G06Q 20/023: {the neutral party being a clearing house}
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 20/027: {involving a payment switch or gateway}
- G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR}
- G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

A computer-implemented method for processing single message transactions with batch settlement may include receiving a dual-message transaction from a merchant, converting the received dual-message transaction to a single-message transaction, setting a flag on the converted single-message transaction indicating the conversion to a single-message transaction, receiving a batch settlement file from the merchant, for each transaction in the batch settlement file, determining whether the single-message transaction conversion flag is set, upon determining that the single-message transaction conversion flag is not set, storing the transaction for later processing, and upon determining that the single-message transaction conversion flag is set, sending the transaction to a payment network.

## Claims

### Claim 1

A computer-implemented method for processing single-message transactions with batch settlement by a payment system, the method comprising:
receiving, by the payment system, a transaction authorization request comprising a dual-message payment transaction from a merchant system, wherein the transaction authorization request comprises information that the dual-message payment transaction is eligible to be converted to a single-message payment transaction, wherein another dual-message payment transaction that is not eligible for conversion of dual-message transactions to single-message transactions is to be processed by a first payment network using a dual-message transaction scheme;
verifying, by the payment system, that the merchant system is registered for the conversion of dual-message transactions to single-message transactions;
generating, by the payment system, the single-message payment transaction using the dual-message payment transaction, wherein generating the single-message payment transaction comprises:
converting, by the payment system, the dual-message payment transaction to the single-message payment transaction using a single-message transaction scheme, wherein the converted single-message payment transaction is to be processed by a second payment network using the single-message transaction scheme and as a personal identification number-less (PIN-less) debit transaction;
setting, by the payment system, a single-message transaction conversion flag on the converted single-message payment transaction, wherein the single-message transaction conversion flag indicates the converted single-message payment transaction is a converted dual-message payment transaction;
in response to receiving the transaction authorization request, transmitting, by the payment system to the merchant system, a transaction authorization response, wherein the transaction authorization response comprises data associated with the converted single-message payment transaction and the single-message transaction conversion flag;
receiving, by the payment system, a single-message transaction batch settlement file from the merchant system, wherein the single-message transaction batch settlement file comprises a plurality of single-message payment transactions;
determining, by the payment system, that the single-message transaction conversion flag is set-on a first single-message payment transaction of the plurality of single-message payment transactions;
based on determining that the single-message transaction conversion flag is set on the first single-message payment transaction of the plurality of single-message payment transactions, transmitting, by the payment system, the first single-message payment transaction of the plurality of single-message payment transactions to the second payment network;
receiving, by the payment system, a transaction result message of the first single-message payment transaction from the second payment network; and
transmitting, by the payment system, the transaction result message of the first single-message payment transaction to the merchant system.

### Claim 2 (depends on 1)

The computer-implemented method of claim 1, further comprising:
registering, by the payment system, the merchant system for the conversion of dual-message transactions to single-message transactions during an onboarding process of the merchant system to the payment system.

### Claim 3 (depends on 1)

The computer-implemented method of claim 1, wherein prior to the converting, the method further comprises:
determining, by the payment system, that the received dual-message payment transaction is authorized; and
based on determining that the received dual message transaction is authorized, transmitting, by the payment system, a transaction authorization result message of the received dual-message payment transaction to the merchant system.

### Claim 4 (depends on 1)

The computer-implemented method of claim 1, further comprising:
determining, by the payment system, that the single-message transaction conversion flag is not set on a second single-message payment transaction of the plurality of single-message payment transactions; and
storing, by the payment system, the second single-message payment transaction for later processing.

### Claim 5 (depends on 1)

The computer-implemented method of claim 1, wherein the single-message transaction batch settlement file is received from the merchant system at a predetermined time.

### Claim 6 (depends on 1)

The computer-implemented method of claim 1, wherein the received dual-message payment transaction is a chip-based credit card transaction received without a personal identification number (PIN).

### Claim 7

A payment system for processing single-message transactions with batch settlement, the payment system comprising:
a processor; and
a computer-readable medium storing instructions that, when executed by the processor, cause the processor to perform steps of:
receiving a transaction authorization request comprising a dual-message payment transaction from a merchant system, wherein the transaction authorization request comprises information that the dual-message payment transaction is eligible to be converted to a single-message payment transaction, wherein another dual-message payment transaction that is not eligible for conversion of dual-message transactions to single-message transactions is to be processed by a first payment network using a dual-message transaction scheme;
verifying that the merchant system is registered for the conversion of dual-message transactions to single-message transactions;
generating the single-message payment transaction using the dual-message payment transaction, wherein generating the single-message payment transaction comprises:
converting the dual-message payment transaction to the single-message payment transaction using a single-message transaction scheme, wherein the converted single-message payment transaction is to be processed by a second payment network using the single-message transaction scheme and as a personal identification number-less (PINless) debit transaction;
setting a single-message transaction conversion flag on the converted single-message payment transaction, wherein the single-message transaction conversion flag indicates that the converted single-message payment transaction is a converted dual-message payment transaction;
in response to receiving the transaction authorization request, transmitting, to the merchant system, a transaction authorization response, wherein the transaction authorization response comprises data associated with the converted single-message payment transaction and the single-message transaction conversion flag;
receiving a single-message transaction batch settlement file from the merchant system, wherein the single-message transaction batch settlement file comprises a plurality of single-message payment transactions;
determining that the single-message transaction conversion flag is set on a first single-message payment transaction of the plurality of single-message payment transactions;
based on determining that the single-message transaction conversion flag is set on the first single-message payment transaction of the plurality of single-message payment transactions, transmitting the first single-message payment transaction of the plurality of single-message payment transactions to the second payment network;
receiving a transaction result message of the first single-message payment transaction from the second payment network; and
transmitting the transaction result message of the first single-message payment transaction to the merchant system.

### Claim 8 (depends on 7)

The payment system of claim 7, wherein the computer-readable medium storing instructions that, when executed by the processor, further cause the processor to perform additional steps of:
registering the merchant system for the conversion of dual-message transactions to single-message transactions during an onboarding process of the merchant system to the payment system.

### Claim 9 (depends on 7)

The payment system of claim 7, wherein, prior to the converting, the computer-readable medium storing instructions that, when executed by the processor, further cause the processor to perform additional steps of include:
determining that the received dual-message payment transaction is authorized; and
based on determining that the received dual message transaction is authorized, transmitting a transaction authorization result message of the received dual-message payment transaction to the merchant system.

### Claim 10 (depends on 7)

The payment system of claim 7, wherein the computer-readable medium storing instructions that, when executed by the processor, further cause the processor to perform additional steps of:
determining that the single-message transaction conversion flag is not set on a second single-message payment transaction of the plurality of single-message payment transactions; and
storing, by the payment system, the second single-message payment transaction for later processing.

### Claim 11 (depends on 7)

The payment system of claim 7, wherein the single-message transaction batch settlement file is received from the merchant system at a predetermined time.

### Claim 12 (depends on 7)

The payment system of claim 7, wherein the dual-message payment transaction is a chip-based credit card transaction received without a personal identification number (PIN).

### Claim 13

A non-transitory machine-readable medium storing instructions that, when executed by a processor of a payment system, cause the processor of the payment system to perform a method for processing single-message transactions with batch settlement, the method comprising:
receiving a transaction authorization request comprising a dual-message payment transaction from a merchant system, wherein the transaction authorization request comprises information that the dual-message payment transaction is eligible to be converted to a single-message payment transaction, wherein another dual-message payment transaction that is not eligible for conversion of dual-message transactions to single-message transactions is to be processed by a first payment network using a dual-message transaction scheme;
verifying that the merchant system is registered for the conversion of dual-message transactions to single-message transactions;
generating the single-message payment transaction using the dual-message payment transaction, wherein generating the single-message payment transaction comprises:
converting the dual-message payment transaction to the single-message payment transaction using a single-message transaction scheme, wherein the converted single-message payment transaction is to be processed by a second payment network using the single-message transaction scheme and as a personal identification number-less (PINless) debit transaction;
setting a single-message transaction conversion flag on the converted single-message payment transaction, wherein the single-message transaction conversion flag indicates that the converted single-message payment transaction is a converted dual-message payment transaction;
in response to receiving the transaction authorization request, transmitting, to the merchant system a transaction authorization response, wherein the transaction authorization response comprises data associated with the converted single-message payment transaction and the single-message transaction conversion flag;
receiving a single-message transaction batch settlement file from the merchant system, wherein the single-message transaction batch settlement file comprises a plurality of single-message payment transactions;
determining that the single-message transaction conversion flag is set on a first single-message payment transaction of the plurality of single-message payment transactions;
based on determining that the single-message transaction conversion flag is set on the first single-message payment transaction of the plurality of single-message payment transactions, transmitting the first single-message payment transaction of the plurality of single-message payment transactions to the second payment network;
receiving a transaction result message of the first single-message payment transaction from the second payment network; and
transmitting the transaction result message of the first single-message payment transaction to the merchant system.

### Claim 14 (depends on 13)

The non-transitory machine-readable medium of claim 13, wherein the instructions that, when executed by a processor of the payment system, cause the processor of the payment system to perform an additional step of:
registering the merchant system for the conversion of dual-message transactions to single-message transactions during an onboarding process of the merchant system to the payment system.

### Claim 15 (depends on 13)

The non-transitory machine-readable medium of claim 13, wherein the instructions that, when executed by a processor of the payment system, cause the processor of the payment system to perform additional steps of:
determining that the received dual-message payment transaction is authorized; and
based on determining that the received dual message transaction is authorized, transmitting a transaction authorization result message of the received dual-message payment transaction to the merchant system.

### Claim 16 (depends on 13)

The non-transitory machine-readable medium of claim 13, wherein the instructions that, when executed by a processor of the payment system, cause the processor of the payment system to perform additional steps of:
determining that the single-message transaction conversion flag is not set on a second single-message payment transaction of the plurality of single-message payment transactions; and
storing, by the payment system, the second single-message payment transaction for later processing.

### Claim 17 (depends on 13)

The non-transitory machine-readable medium of claim 13, wherein the single-message transaction batch settlement file is received from the merchant system at a predetermined time.

### Claim 18 (depends on 13)

The non-transitory machine-readable medium of claim 13, wherein the dual-message payment transaction is a chip-based credit card transaction received without a personal identification number (PIN).