Methods and systems for dynamic routing of electronic transaction messages
AssigneeWorldpay, LLC
InventorsStephen E. DINAN, James S. OSBORN, William J. WIED
Life of this patent
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Abstract
Systems and methods are disclosed for dynamic routing of electronic transactions. One method comprises receiving a request message from a merchant system and determining a routing directive associated with the request message. Upon determining the routing directive, contextual data may be retrieved based on the routing directive. Then, a final destination payment processor may be determined based on the routing directive and the contextual data. The request message may be updated based on the final destination payment processor. The updated request message may then be transmitted to a downstream entity for further processing.
Claims20
A computer-implemented method comprising:
- receiving, by a dynamic routing service, one or more requests from one or more devices, wherein the one or more requests include an identifier associated with an initial destination processor;
- determining, by the dynamic routing service, a status code associated with at least one request from the one or more requests, wherein the status code indicates an error in processing the at least one request by the initial destination processor;
- determining, by the dynamic routing service, a final destination processor for the at least one request based on routing directives and contextual data;
- updating, by the dynamic routing service, the at least one request with an identifier associated with the final destination processor;
- and
- transmitting, by the dynamic routing service, the at least one request to a payment gateway, wherein the payment gateway generates at least one response indicating whether the final destination processor successfully processed the at least one request.
A system comprising:
- one or more processors of a computing system;
- and
- at least one non-transitory computer readable medium storing instructions which, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
- receiving, by a dynamic routing service, one or more requests from one or more devices, wherein the one or more requests include an identifier associated with an initial destination processor;
- determining, by the dynamic routing service, a status code associated with at least one request from the one or more requests, wherein the status code indicates an error in processing the at least one request by the initial destination processor;
- determining, by the dynamic routing service, a final destination processor for the at least one request based on routing directives and contextual data;
- updating, by the dynamic routing service, the at least one request with an identifier associated with the final destination processor;
- and
- transmitting, by the dynamic routing service, the at least one request to a payment gateway, wherein the payment gateway generates at least one response indicating whether the final destination processor successfully processed the at least one request.
A non-transitory computer readable medium, the non-transitory computer readable medium storing instructions which, when executed by one or more processors of a computing system, cause the one or more processors to perform operations comprising:
- receiving, by a dynamic routing service, one or more requests from one or more devices, wherein the one or more requests include an identifier associated with an initial destination processor;
- determining, by the dynamic routing service, a status code associated with at least one request from the one or more requests, wherein the status code indicates an error in processing the at least one request by the initial destination processor;
- determining, by the dynamic routing service, a final destination processor for the at least one request based on routing directives and contextual data;
- updating, by the dynamic routing service, the at least one request with an identifier associated with the final destination processor;
- and
- transmitting, by the dynamic routing service, the at least one request to a payment gateway, wherein the payment gateway generates at least one response indicating whether the final destination processor successfully processed the at least one request.
Dependencies are inferred from the claim text.