Financial transaction processing system and method

• US 6,302,326 B1
• Filed: 01/14/2000
• Issued: 10/16/2001
• Est. Priority Date: 06/10/1996
• Status: Expired due to Term

• Current Assignee: Diebold Nixdorf, Incorporated
• Original Assignee: Diebold Incorporated (Diebold Nixdorf, Incorporated)
• Inventors: Singer, Irek, Gill, Robert Bradley, St. George, Peter, Symonds, Robert D.
• Primary Examiner(s): Lee, Michael G.
• Assistant Examiner(s): FUREMAN, JARED
• Application Number:
  US09/483,104
• Time in Patent Office: 641 Days
• Field of Search: 235/377, 235/379, 705/21, 709/230, 709/231, 709/232, 709/233, 709/234, 709/235, 709/246, 709/247
• US Class Current: 235/379
• CPC Class Codes: 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
• CPC Class Codes: G06Q 30/04 Billing or invoicing
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/211 Software architecture within ATMs or in relation to the ATM network
• CPC Class Codes: H04L 69/08 Protocols for interworking; Protocol conversion

Abstract

A financial transaction processing system (10) enables processing transactions from various types of card activated terminal devices (12) which communicate using a variety of electronic message formats. The transaction processing system includes among its software components message gateway routers (MGRs) (24, 164) which operate using information stored in the relational database to convert messages from a variety of external message formats used by the external devices and authorization systems, to a common internal message format used within the system. The system further uses database information to internally route messages to message processing programs (MPPs) (108, 138) which process messages and generate messages to the external devices and authorization systems. The MGR also converts the outgoing messages from the internal message format to the external message formats which can be interpreted by the external devices and systems to which the messages are directed.

Claims

1. A method comprising:

(a) storing in at least one data store, data usable by a computer to accomplish conversion of messages in at least one first external message format in which at least one first external device communicates, and at least one second external format in which at least one second external device communicates, to corresponding messages in a common internal message format, wherein the common internal message format includes a message portion in an ISO 8583 message format; and

(b) operating at least one computer responsive to the data stored in the data store to communicate messages between the at least one first external device and the at least one second external device.

2. Computer readable media bearing instructions which are operative to cause a computer to carry out the method steps recited in claim 1.