Financial transaction processing system and method
First Claim
1. A transaction processing system comprising:
- at least one computer;
a plurality of external devices adapted to carry out financial transactions in operative connection with the at least one computer;
at least one message processing program (MPP) operative in the at least one computer;
at least one timing function operative in the at least one computer;
a problem management software function operative in the at least one computer;
wherein in operation of the system when a device message is sent by the at least one computer to an external device responsive to operation of an MPP, the MPP is operative to cause a timing message to be sent to a timing function, and the timing function is operative a time after receiving the timing message to send a timing response message to the MPP, and wherein responsive to receipt of the timing response message by the MPP, the at least one computer is operative to cause a message indicative of a problem to be sent to the problem management software function.
10 Assignments
0 Petitions
Accused Products
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 may operate to authorize transactions internally using information stored in a relational database (32) or may communicate with external authorization systems (18). 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.
68 Citations
19 Claims
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1. A transaction processing system comprising:
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at least one computer; a plurality of external devices adapted to carry out financial transactions in operative connection with the at least one computer; at least one message processing program (MPP) operative in the at least one computer; at least one timing function operative in the at least one computer; a problem management software function operative in the at least one computer; wherein in operation of the system when a device message is sent by the at least one computer to an external device responsive to operation of an MPP, the MPP is operative to cause a timing message to be sent to a timing function, and the timing function is operative a time after receiving the timing message to send a timing response message to the MPP, and wherein responsive to receipt of the timing response message by the MPP, the at least one computer is operative to cause a message indicative of a problem to be sent to the problem management software function. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A transaction processing system comprising:
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at least one computer; a plurality of external devices adapted to carry out financial transactions in operative connection with the at least one computer; at least one message processing program (MPP) operative in the at least one computer; at least one timing function operative in the at least one computer; wherein in operation of the system when a device message is sent by the at least one computer to an external device responsive to operation of an MPP, the MPP is operative to cause a timing message to be sent to a timing function, and the timing function is operative a time after receiving the timing message to send a timing response message to the MPP; wherein the external device is operative responsive to the device message to send a device response message to the at least one computer, and wherein when the at least one computer receives the device response message within the time, the at least one computer is operative to cause a timing delete message to be received by the timing function, wherein the timing delete message is sent responsive to operation of the MPP, wherein receipt of the timing delete message by the timing function prior to the timing response message being sent is operative to cause the timing function not to send the timing response message to the MPP. - View Dependent Claims (17)
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18. A method comprising:
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(a) operating a message processing program (MPP) in at least one computer to cause a device message to be sent to a selected one of a plurality of external devices adapted to carry out financial transactions that are in operative connection with the at least one computer; (b) operating the MPP to cause operation of a timing function in the at least one computer, the timing function initiating timing generally from the time the device message is sent in (a); (c) monitoring for receipt by the at least one computer of a device response message sent by the one external device responsive to the device message, wherein the device response message includes at least some echo back data; (d) operating the timing function to notify the MPP if the device response message is not received within a time after initiating timing in (b); and (e) routing an internal message in the at least one computer to the MPP responsive to the echo back data in the device response message. - View Dependent Claims (19)
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Specification