US 2021/0241250 A1Published application

Method, System, and Computer Program Product for Translating Messages

AssigneeVisa International Service Association

InventorsNaman Bansal, Pankaj Taneja

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Abstract

A computer-implemented method includes: installing a first message protocol on a transaction terminal based on a provider thereof; installing an adapter layer on the terminal, the adapter layer including a mapping from the first message protocol to a standard message protocol; reading payment data from a payment device, the payment data associated with a transaction; generating a message including the payment data according to the first message protocol; translating the message from the first message protocol to the standard message protocol with the adapter layer to form a transaction message; and communicating the transaction message to a transaction processing system.

Claims20

Dependent claims

A computer-implemented method, comprising:

installing, with at least one processor, a first message protocol from a plurality of message protocols on a first transaction terminal based on a first provider of the first transaction terminal;
installing, with at least one processor, an adapter layer on the first transaction terminal, wherein the adapter layer comprises a mapping from at least one of the plurality of message protocols to a standard message protocol, wherein the at least one of the plurality of message protocols comprises the first message protocol;
reading, with at least one processor, first payment data from a first payment device, the first payment data associated with a first transaction;
generating, with at least one processor, a first message including the first payment data according to the first message protocol;
translating, with at least one processor, the first message from the first message protocol to the standard message protocol with the adapter layer to form a first transaction message including the first payment data associated with the first transaction;
and
communicating, with at least one processor, the first transaction message to a transaction processing system.

4 more elements

A system for processing an electronic payment transaction, comprising at least one processor programmed or configured to:

install a first message protocol from a plurality of message protocols on a first transaction terminal based on a first provider of the first transaction terminal;
install an adapter layer on the first transaction terminal, wherein the adapter layer comprises a mapping from at least one of the plurality of message protocols to a standard message protocol, wherein the at least one of the plurality of message protocols comprises the first message protocol;
read first payment data from a first payment device, the first payment data associated with a first transaction;
generate a first message including the first payment data according to the first message protocol;
translate the first message from the first message protocol to the standard message protocol with the adapter layer to form a first transaction message including the first payment data associated with the first transaction;
and
communicate the first transaction message to a transaction processing system.

4 more elements

A computer program product for processing an electronic payment transaction, the computer program product comprising at least one non-transitory computer-readable medium including one or more instructions that, when executed by at least one processor, cause the at least one processor to:

install a first message protocol from a plurality of message protocols on a first transaction terminal based on a first provider of the first transaction terminal;
install an adapter layer on the first transaction terminal, wherein the adapter layer comprises a mapping from at least one of the plurality of message protocols to a standard message protocol, wherein the at least one of the plurality of message protocols comprises the first message protocol;
read first payment data from a first payment device, the first payment data associated with a first transaction;
generate a first message including the first payment data according to the first message protocol;
translate the first message from the first message protocol to the standard message protocol with the adapter layer to form a first transaction message including the first payment data associated with the first transaction;
and
communicate the first transaction message to a transaction processing system.

4 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/778,533Filed 31 Jan 2020
Published: 5 Aug 2021
Term ends: Not estimatedThe source records don’t support an estimate.

Classification8 codes

G06Q 40/02
Finance; Insurance; Tax strategies; Processing of corporate or income taxes: banking, e.g. interest calculation or account maintenance
G06Q 20/027
Involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]: involving a payment switch or gateway
G06Q 20/202
Point-of-sale [POS] network systems: interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network…
G06Q 20/204
Point-of-sale [POS] network systems: comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit

Family

US 11,544,689 B2Related patent
US 2021/0241250 A1This patent

From the US filing history. Foreign family members aren’t listed.

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