Systems and methods for establishing message routing paths through a computer network

A method for routing computer messages between parties, the method implemented using a message gateway computing system including a processor and a memory, said method comprising:

• receiving, by the message gateway computing system, one or more message routing offers from a plurality of seller parties, wherein each message routing offer (i) represents an offer to process payment card transactions messages by one of the seller parties and (ii) includes one or more offer parameters that define at least one operational parameter that the associated seller party agrees to provide when routing said payment card transactions messages;
• receiving a message routing request from a buyer party that includes one or more buyer parameters that define at least one performance parameter required by the buyer party for routing payment card transactions messages for said buyer party;
• identifying a first seller party from the plurality of seller parties having a message routing offer that includes operational parameters that at least meet or exceed the at least one performance parameters of the buyer party;
• establishing, by the message gateway computing system, a first message route for transporting payment card transaction messages between the buyer party and the first seller party by storing in the memory the established first message route and a time period for maintaining the first message route;
• receiving a payment card transaction message from the buyer party;
• performing a lookup with the memory to identify the first message route for transporting the payment card transaction message;
• confirming that the received payment card transaction message was received within the time period;
• and
• causing the payment card transaction message to be transmitted to the first seller party via the first message route.

A message gateway computing system for routing computer messages between two parties, the system comprising:

• a routing database configured to store message routing data received through an enterprise gateway;
• and
• a message routing engine (MRE) computing device including at least one processor and coupled to the routing database, the MRE computing device configured to:
• receive one or more message routing offers from a plurality of seller parties, wherein each message routing offer (i) represents an offer to process payment card transactions messages by one of the seller parties and (ii) includes one or more offer parameters that define at least one operational parameter that the associated seller party agrees to provide when routing said payment card transactions messages;
• receive a message routing request from a buyer party that includes one or more buyer parameters that define at least one performance parameter required by the buyer party for routing payment card transactions messages for said buyer party;
• identify a first seller party from the plurality of seller parties having a message routing offer that includes operational parameters that at least meet or exceed the at least one performance parameters of the buyer party;
• establish a first message route for transporting payment card transaction messages between the buyer party and the first seller party by storing in the memory the established first message route and a time period for maintaining the first message route;
• receive a payment card transaction message from the buyer party;
• perform a lookup with the memory to identify the first message route for transporting the payment card transaction message;
• confirm that the received payment card transaction message was received within the time period;
• and
• cause the payment card transaction message to be transmitted to the first seller party via the first message route.

A non-transitory computer readable medium that includes computer executable instructions for routing computer messages between two parties, wherein when executed by a message routing engine (MRE), the computer executable instructions cause the MRE to:

• receive one or more message routing offers from a plurality of seller parties, wherein each message routing offer (i) represents an offer to process payment card transactions messages by one of the seller parties and (ii) includes one or more offer parameters that define at least one operational parameter that the associated seller party agrees to provide when routing said payment card transactions messages;
• receive a message routing request from a buyer party that includes one or more buyer parameters that define at least one performance parameter required by the buyer party for routing payment card transactions messages for said buyer party;
• identify a first seller party from the plurality of seller parties having a message routing offer that includes operational parameters that at least meet or exceed the at least one performance parameters of the buyer party;
• establish a first message route for transporting payment card transaction messages between the buyer party and the first seller party by storing in the memory the established first message route and a time period for maintaining the first message route;
• receive a payment card transaction message from the buyer party;
• perform a lookup with the memory to identify the first message route for transporting the payment card transaction message;
• confirm that the received payment card transaction message was received within the time period;
• and
• cause the payment card transaction message to be transmitted to the first seller party via the first message route.