Dynamically configurable transaction management controller and method thereof

1. A computer implemented method for managing payment authorization request messaging for payment transactions, the method comprising:

receiving, by a transaction management controller computing device, from a business management engine, a transaction amount for a payment transaction, the business management engine being configured to communicate with the transaction management controller computing device and communicatively isolated from a point of interaction (POI) device;

generating, by the transaction management controller computing device, a payment authorization request message based on the transaction amount;

retrieving, from a storage device of a remote configuration device, a plurality of payment vehicle type-specific transaction processing modules, each payment vehicle type-specific transaction processing module among the plurality of payment vehicle type-specific transaction processing modules comprising transaction processing preferences controlling the point of interaction (POI) device including one or more of a listening port setting, a security setting, a lane identification setting, a lane initialization setting, a terminal type setting, a device driver configuration setting, and a communication setting, the plurality of payment vehicle type-specific transaction processing modules comprising:

a credit card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of credit card transactions, and

a debit card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of debit card transactions;

sending, by the transaction management controller computing device, to the point of interaction (POI) device, a request for a transaction payment vehicle type corresponding to a payment vehicle associated with the payment transaction;

receiving, by the transaction management controller computing device, the transaction payment vehicle type from the point of interaction (POI) device;

dynamically loading and initializing, by the transaction management controller computing device, only one payment vehicle type-specific transaction processing module among the plurality of payment vehicle type-specific transaction processing modules corresponding to the received transaction payment vehicle type from the point of interaction (POI) device at a time;

sending, by the transaction management controller computing device, a request for payment vehicle data based on the transaction processing preferences of the initialized payment vehicle type-specific transaction processing module;

receiving, by the transaction management controller computing device, from the point of interaction device, the requested payment vehicle data;

inserting, by the transaction management controller computing device, the payment vehicle data and the transaction amount into the payment authorization request message;

transmitting, by the transaction management controller computing device, to a payment network, the payment authorization request message based on the transaction processing preferences of the initialized payment vehicle type-specific transaction processing module;

receiving, by the by the transaction management controller computing device, from the payment network, a payment authorization response message for the payment authorization request message; and

transmitting, by the by the transaction management controller computing device, to the business management engine, the payment authorization response message based on the transaction processing preferences of the initialized payment type-specific transaction processing module.

2. The computer implemented method of claim 1 , wherein the storage device is one of a local storage device or a remote storage device.

3. The computer implemented method of claim 1 , wherein the transaction processing preferences of each payment vehicle type-specific transaction processing module among the plurality of payment vehicle type-specific transaction processing modules further comprise at least one of initializing a signature prompt feature on the point of interaction device, initializing a PIN entry feature on the point of interaction device, routing the payment authorization request message to a payment vehicle type-specific payment network, routing the payment authorization request message to a payment vehicle type-specific payment gateway communicatively coupled to the payment network, and initializing a payment vehicle type-specific processing feature on the point of interaction device.

4. The computer implemented method of claim 1 , further comprising:

managing, by the transaction management controller computing device, selection options of the point of interaction device for the payment transaction; and

receiving, by the transaction management controller computing device, from the point of interaction device, selected options for the payment transaction.

5. The computer implemented method of claim 1 , wherein the payment authorization request message and the payment authorization response message comprise Hypertext Transfer Protocol messages.

6. The computer implemented method of claim 1 , wherein transmitting the payment authorization request message to a payment network comprises transmitting the payment authorization request message to a payment gateway communicatively coupled to the payment network; and

wherein receiving the payment authorization response message from the payment network comprises receiving the payment authorization response message from the payment gateway communicatively coupled to the payment network.

7. One or more non-transitory machine-readable storage media comprising a plurality of instructions stored thereon that in response to being executed by a transaction management controller computing device, cause the transaction management controller computing device to:

receive, by the transaction management controller computing device, a transaction amount for a payment transaction from a business management engine, the business management engine being configured to communicate with the transaction management controller computing device and communicatively isolated from a point of interaction (POI) device;

generate, by the transaction management controller computing device, a payment authorization request message based on the transaction amount;

retrieve, from a storage device of a remote configuration device, a plurality of payment vehicle type-specific transaction processing modules, each payment vehicle type-specific transaction processing module among the plurality of payment vehicle type-specific transaction processing modules comprising transaction processing preferences controlling the point of interaction (POI) device including one or more of a listening port setting, a security setting, a lane identification setting, a lane initialization setting, a terminal type setting, a device driver configuration setting, and a communication setting, and the plurality of payment vehicle type-specific transaction processing modules comprising:

a credit card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of credit card transactions, and

a debit card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of debit card transactions;

send, by the transaction management controller computing device, to the point of interaction (POI) device, a request for a transaction payment vehicle type corresponding to a payment vehicle associated with the payment transaction;

receive, by the transaction management controller computing device, the transaction payment vehicle type from the point of interaction (POI) device;

dynamically load and initialize, by the transaction management controller computing device, only one payment vehicle type-specific transaction processing module among the plurality of payment vehicle type-specific transaction processing modules corresponding to the received transaction payment vehicle type from the point of interaction (POI) device at a time;

send, by the transaction management controller computing device, a request for payment vehicle data based on the transaction processing preferences of the initialized payment vehicle type-specific transaction processing module;

receive, by the transaction management controller computing device, from the point of interaction device, the requested payment vehicle data;

insert, by the transaction management controller computing device, the payment vehicle data and the transaction amount into the payment authorization request message;

transmit, by the transaction management controller computing device, to a payment network, the payment authorization request message based on the transaction processing preferences of the initialized payment vehicle type-specific transaction processing module;

receive, by the transaction management controller computing device, from the payment network, a payment authorization response message for the payment authorization request message; and

transmit, by the transaction management controller computing device, to a business management engine, the payment authorization response message based on the transaction processing preferences of the initialized payment type-specific transaction processing module.

8. The one or more non-transitory machine-readable storage media of claim 7 , wherein the storage device is one of a local storage device or a remote storage device.

9. The one or more non-transitory machine-readable storage media of claim 7 , wherein the transaction processing preferences of each payment vehicle type-specific transaction processing module among the plurality of payment vehicle type-specific transaction processing modules further comprise at least one of initializing a signature prompt feature on the point of interaction device, initializing a PIN entry feature on the point of interaction device, routing the payment authorization request message to a payment vehicle type-specific payment network, routing the payment authorization request message to a payment vehicle type-specific payment gateway communicatively coupled to the payment network, and initializing a payment vehicle type-specific processing feature on the point of interaction device.

10. The one or more non-transitory machine-readable storage media of claim 7 , wherein the plurality of instructions further cause the transaction management controller computing device to:

manage selection options of the point of interaction device for the payment transaction; and

receive, from the point of interaction device, selected options for the payment transaction.

11. The one or more non-transitory machine-readable storage media of claim 7 , wherein the payment authorization request message and the payment authorization response message comprise Hypertext Transfer Protocol messages.

12. The one or more non-transitory machine-readable storage media of claim 7 , wherein transmitting the payment authorization request message to a payment network comprises transmitting the payment authorization request message to a payment gateway communicatively coupled to the payment network; and

wherein receiving the payment authorization response message from the payment network comprises receiving the payment authorization response message from the payment gateway communicatively coupled to the payment network.

13. A system for managing payment authorization request messaging for payment transactions, the system comprising:

a data storage device of a remote configuration device storing instructions for managing payment authorization request messaging for payment transactions in an electronic storage medium; and

a transaction management controller computing device comprising a computer device configured to execute the instructions to perform a method including:

receive, by the transaction management controller computing device, from a business management engine, a transaction amount for a payment transaction, the business management engine being configured to communicate with the transaction management controller computing device and communicatively isolated from a point of interaction (POI) device;

insert, by the transaction management controller computing device, the transaction amount into a payment authorization request message;

retrieve, from the data storage device of the remote configuration device, a plurality of payment vehicle type-specific transaction processing modules, each payment vehicle type-specific transaction processing module among the plurality of payment vehicle type-specific transaction processing modules comprising transaction processing preferences controlling a point of interaction (POI) device including one or more of a listening port setting, a security setting, a lane identification setting, a lane initialization setting, a terminal type setting, a device driver configuration setting, and a communication setting, and the plurality of payment vehicle type-specific transaction processing modules comprising:

a credit card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of credit card transactions, and

a debit card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of debit card transactions;

send, by the transaction management controller computing device, to the point of interaction (POI) device, a request for a transaction payment vehicle type corresponding to a payment vehicle associated with the payment transaction;

receive, by the transaction management controller computing device, from the point of interaction (POI) device, the transaction payment vehicle type;

dynamically load and initialize, by the transaction management controller computing device, only one payment vehicle type-specific transaction processing module among the plurality of payment vehicle type-specific transaction processing modules corresponding to the received transaction payment vehicle type from the point of interaction (POI) device at a time;

sending, by the transaction management controller computing device, a request for payment vehicle data based on the transaction processing preferences of the initialized payment vehicle type-specific transaction processing module;

receive, by the transaction management controller computing device, from the point of interaction (POI) device, the requested payment vehicle data;

insert, by the transaction management controller computing device, the payment vehicle data and the transaction amount into the payment authorization request message;

transmit, by the transaction management controller computing device, to a payment network, the payment authorization request message based on the transaction processing preferences of the initialized payment vehicle type-specific transaction processing module;

receive, by the transaction management controller computing device, from the payment network, a payment authorization response message for the payment authorization request message; and

transmit, by the by the transaction management controller computing device, to the business management engine, the payment authorization response message based on the transaction processing preferences of the initialized payment vehicle type-specific transaction processing module.

14. The system of claim 13 , wherein the data storage device is one of a local storage device or a remote storage device.

15. The system of claim 13 , wherein the transaction processing preferences of each payment vehicle type-specific transaction processing module among the plurality of payment vehicle type-specific transaction processing modules further comprise at least one of initializing a signature prompt feature on the point of interaction device, initializing a PIN entry feature on the point of interaction device, routing the payment authorization request message to a payment vehicle type-specific payment network, routing the payment authorization request message to a payment vehicle type-specific payment gateway communicatively coupled to the payment network, and initializing a payment vehicle type-specific processing feature on the point of interaction device.

16. The system of claim 13 , wherein the system is further configured to:

manage, by the transaction management controller computing device, selection options of the point of interaction device for the payment transaction; and

receive, by the transaction management controller computing device, from the point of interaction device, selected options for the payment transaction.

17. The system of claim 13 , wherein the payment authorization request message and the payment authorization response message comprise Hypertext Transfer Protocol messages.

18. The system of claim 13 , wherein transmitting the payment authorization request message to a payment network comprises transmitting, by the transaction management controller computing device, the payment authorization request message to a payment gateway communicatively coupled to the payment network; and

wherein receiving the payment authorization response message from the payment network comprises receiving, by the transaction management controller computing device, the payment authorization response message from the payment gateway communicatively coupled to the payment network.

19. The computer implemented method of claim 1 , wherein the plurality of payment vehicle type-specific transaction processing modules further comprises:

a smart card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of smart card transactions,

a single-use card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of single-use card transactions,

a prepaid card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of prepaid card transactions,

an electronic benefit transfer card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of electronic benefit transfer card transactions, and

an electronic currency transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of electronic currency transactions.

20. The one or more non-transitory machine-readable storage media of claim 7 , wherein the plurality of payment vehicle type-specific transaction processing modules further comprises:

a smart card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of smart card transactions,

a single-use card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of single-use card transactions,

a prepaid card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of prepaid card transactions,

an electronic benefit transfer card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of electronic benefit transfer card transactions, and

an electronic currency transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of electronic currency transactions.

21. The system of claim 13 , wherein the plurality of payment vehicle type-specific transaction processing modules further comprises:

a smart card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of smart card transactions,

a single-use card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of single-use card transactions,

a prepaid card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of prepaid card transactions,

an electronic benefit transfer card transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of electronic benefit transfer card transactions, and

an electronic currency transaction processing module comprising transaction processing preferences controlling the point of interaction (POI) device during processing of electronic currency transactions.