Automated system and method for testing bank identification numbers in a networked system

1. A method of testing a payment processing network by a credit card company device, the method comprising:

determining a link in a communication path between a network and a terminal is defective;

determining, by the credit card company device, a problem area of the terminal by using intelligence in the network, wherein the intelligence in the network allows the terminal to self-test to determine the problem area, wherein the self-test comprises:

providing the terminal with a terminal software update from an acquirer device, wherein the terminal software update includes parameters for performing self-initiated authorization transactions, and wherein the parameters include test bank identification numbers;

programming the terminal for performing the self-initiated authorization transactions; and

determining whether the self-initiated authorization transactions include test primary account numbers included in the test bank identification numbers, wherein:

in response to the determining that the test primary account numbers are included in the test bank identification numbers, determining that the terminal is performing the self-initiated authorization transactions, or

in response to the determining that the test primary account numbers are not included in the test bank identification numbers, determining that the terminal is not performing the self-initiated authorization transactions.

2. The method of claim 1 ,

wherein the parameters further include a frequency for self-initiating one or more authentication requests, the test primary account numbers, authentication amounts for each of the one or more authentication requests, and a schedule associated with each of the test primary account numbers.

3. The method of claim 1 , wherein:

the terminal is programmed to self-initiate one or more authentication requests via at least one of the acquirer device, a terminal manufacturers device, or an independent software vendor device.

4. The method of claim 1 , wherein:

the self-initiated authorization transactions are routed via at least one of a value added reseller or an independent sales organization.

5. The method of claim 1 , wherein determining whether the self-initiated authorization transactions include test primary account numbers included in the test bank identification numbers further comprises:

determining whether the self-initiated authorization transactions are provided according to a schedule.

6. The method of claim 1 , further comprising:

in response to the determining that the test primary account numbers are not included in the test bank identification numbers, determining that there is a problem in processing at least one of the test primary account numbers.

7. The method of claim 6 , further comprising:

in response to determining that there is a problem, determining that test bank identification numbers associated with at least one of the test primary accounts are not supported by the terminal.

8. A credit card company device for testing a payment processing network, the credit card company device comprising one or more processors and a non-transitory computer readable medium containing instructions thereon such that when the instructions are executed by the processor, the processor is configured to facilitate performing:

determining a link in a communication path between a network and a terminal is defective;

determining a problem area of the terminal by using intelligence in the network, wherein the intelligence in the network allows the terminal to self-test to determine the problem area, wherein the self-test comprises:

providing the terminal with a terminal software update from an acquirer device, wherein the terminal software update includes parameters for performing self-initiated authorization transactions, and wherein the parameters include test bank identification numbers;

programming the terminal for performing the self-initiated authorization transactions; and

determining whether the self-initiated authorization transactions include test primary account numbers included in the test bank identification numbers, wherein:

in response to the determining that the test primary account numbers are included in the test bank identification numbers, determining that the terminal is performing the self-initiated authorization transactions, or

in response to the determining that the test primary account numbers are not included in the test bank identification numbers, determining that the terminal is not performing the self-initiated authorization transactions.

9. The credit card company device of claim 8 ,

wherein the parameters further include a frequency for self-initiating one or more authentication requests, the test primary account numbers, authentication amounts for each of the one or more authentication requests, and a schedule associated with each of the test primary account numbers.

10. The credit card company device of claim 8 , wherein:

the terminal is programmed to self-initiate one or more authentication requests via at least one of the acquirer device, a terminal manufacturers device, or an independent software vendor device.

11. The credit card company device of claim 8 , wherein:

the self-initiated authorization transactions are routed via at least one of a value added reseller or an independent sales organization.

12. The credit card company device of claim 8 , wherein the processor is further configured to facilitate performing:

determining whether the self-initiated authorization transactions are provided according to a schedule.

13. The credit card company device of claim 8 , wherein the processor is further configured to facilitate performing:

in response to the determining that the test primary account numbers are not included in the test bank identification numbers, determining that there is a problem in processing at least one of the test primary account numbers.

14. A terminal comprising one or more processors and a non-transitory computer readable medium containing instructions thereon such that when the instructions are executed by the processor, the processor is configured to facilitate performing:

determining a link in a communication path between a network and a terminal is defective;

determining a problem area of the terminal by using intelligence in the network, wherein the intelligence in the network allows the terminal to self-test to determine the problem area, wherein the self-test comprises:

providing the terminal with a terminal software update from an acquirer device, wherein the terminal software update includes parameters for performing self-initiated authorization transactions, and wherein the parameters include test bank identification numbers;

programming the terminal for performing the self-initiated authorization transactions;

determining whether the self-initiated authorization transactions include test primary account numbers included in the test bank identification numbers, wherein;

in response to the determining that the test primary account numbers are included in the test bank identification numbers, determining that the terminal is performing the self-initiated authorization transactions, or

in response to the determining that the test primary account numbers are not included in the test bank identification numbers, determining that the terminal is not performing the self-initiated authorization transactions.

15. The terminal according to claim 14 , wherein the parameters include:

a frequency for self-initiating one or more authentication requests, the test primary account numbers, authentication amounts for each of the one or more authentication requests, and a schedule associated with each of the test primary account numbers.

16. The terminal according to claim 14 , wherein:

the self-initiated authorization transactions are sent to a credit card company device via at least one of a value added reseller or an independent sales organization.