System and method for performing automated testing of a merchant message

An apparatus comprising a processor and a memory storing a program executable by the processor, wherein the program includes computer code for implementing a method for error-testing a message received from a merchant point of sale (POS) system via a communication network, the method including steps of:

• receiving, from the merchant POS system via the network, a message to be evaluated, wherein the message is a test message not associated with an actual financial transaction request;
• reading header information in the message;
• determining, based at least in part on the header information, a plurality of fields represented in the message;
• evaluating the plurality of fields using a plurality of subroutines,
• wherein each one of the plurality of subroutines is distinct from each other one of the plurality of subroutines and is associated with one of the plurality of fields, respectively,
• wherein each of the plurality of subroutines is coded with a plurality of pre-defined validation rules defining types of characters and an arrangement of characters permissible for one of the plurality of fields, respectively, and
• wherein each of the plurality of subroutines is modular, allowing at least one distinct one of the plurality of subroutines to be edited while another distinct one of the plurality of subroutines evaluates one of the plurality of fields;
• sending an evaluation-result notification after the evaluating is complete, wherein, when the evaluating detects no error in the message, the evaluation-result notification reports that the message is error-free and that, upon certifying the message, the merchant POS system may use the message for completing one or more financial transaction requests;
• receiving, from the merchant POS system after the evaluating detects no error in the message, a request for certification of the message;
• certifying the message, wherein the certifying is required in order for the merchant POS system to use the message for completing the one or more financial transaction requests;
• receiving, from the merchant POS system, after the certifying, a financial transaction request using the message;
• and
• processing the financial transaction request.

A system for error-testing a message received from a merchant point of sale (POS) system via a communication network, in which the message is to be used in connection with a transaction involving a financial transaction instrument, the system comprising:

• a first communication module, which functions to receive, from the merchant POS system via the network, a message to be evaluated, wherein the message is a test message not associated with an actual financial transaction request;
• a reading module, which reads header information in the message and determines, based at least in part on the header information, a plurality of fields represented in the message;
• a storage unit in which a plurality of subroutines are stored,
• wherein each one of the plurality of subroutines is distinct from each other one of the plurality of subroutines and is associated with one of the plurality of fields, respectively,
• wherein each of the plurality of subroutines is coded with a plurality of pre-defined validation rules defining types of characters and an arrangement of characters permissible for one of the plurality of fields, respectively, and
• wherein each of the plurality of subroutines is modular, allowing at least one distinct one of the plurality of subroutines to be edited while another distinct one of the plurality of subroutines evaluates one of the plurality of fields;
• an evaluation module, which performs an evaluation of the plurality of fields using the plurality of subroutines;
• a second communication module, which functions to send an evaluation-result notification after the evaluating is complete, wherein, when the evaluating detects no error in the message, the evaluation-result notification reports that the message is error-free and that, upon certifying the message, the merchant POS system may use the message for completing one or more financial transaction requests;
• a third communication module, which receives, from the merchant POS system after the evaluating detects no error in the message, a request for certification of the message;
• a certifying module, which certifies the message, wherein certifying the message is required in order for the merchant POS system to use the message for completing the one or more financial transaction requests;
• a fourth communication module, which receives, from the merchant POS system, after the message has been certified, a financial transaction request using the message;
• a processing module which processes the financial transaction request;
• and
• a processor, which functions to control operation of the reading module, the storage unit, the first, second, third, and fourth communication modules, the evaluation module, the certifying module, and the processing module.