System and method for payment platform self-certification for processing financial transactions with payment networks

1. A computer-implemented financial transaction certification method, comprising:

selecting a test identifier associated with a certification test;

sending a test transaction corresponding to the certification test from a payment platform under test to a certification module of a certification and analytics system;

receiving a request identifier from the certification module of a certification and analytics system in response to sending the test transaction;

sending the request identifier and the test identifier to an analytics engine of the certification and analytics system for certification; and

receiving a license key from the analytics engine of the certification and analytics system, wherein the analytics engine generates the license key by

retrieving transaction data associated with the test transaction based on the request identifier and at least one expected value based on the test identifier,

comparing at least a portion of the retrieved transaction data with the at least one expected value, and

generating the license key based on the comparison.

2. The computer-implemented financial transaction certification method of claim 1 , wherein the payment platform is configured to use the license key to access a production acquirer processor system.

3. The computer-implemented financial transaction certification method of claim 1 , wherein the test transaction comprises one or more of: transaction amount, tip amount, a merchant identification number, and a security token as a hash of a merchant identification number and a payment card number.

4. The computer-implemented financial transaction certification method of claim 1 , further comprising:

receiving certification test results from the certification and analytics system; and

presenting the received certification test results to a user.

5. The computer-implemented financial transaction certification method of claim 1 , wherein the payment platform is selected from a group consisting of a point of sale terminal, a point of sale system, a payment platform with new software or firmware, and a payment platform with a feature to be certified.

6. The computer-implemented financial transaction certification method of claim 1 , wherein the test transaction includes at least one data field to be compared with one or more of an expected value, an expected range of values, a threshold value, a subset of alphanumeric values, a plurality of alphanumeric values, a valid token, a payment card number, a merchant identification number, and a payment amount.

7. A financial transaction certification and analytics system, comprising:

one or more processors;

a certification module executed by the one or more processors and configured to

receive a test transaction from a payment platform,

associate a request identifier with the test transaction, and

send the request identifier to the payment platform; and

an analytics engine executed by the one or more processors and configured to

receive the request identifier and a test identifier associated with the test transaction from the payment platform,

retrieve transaction data associated with the test transaction based on the request identifier and at least one expected value based on the test identifier,

compare at least a portion of the retrieved transaction data with the at least one expected value, and

send a license key to the payment platform based on the comparison.

8. The financial transaction certification and analytics system of claim 7 , wherein at least one of the certification module and the analytics engine is implemented on an acquirer processor of an electronic payment network.

9. The financial transaction certification and analytics system of claim 8 , wherein the payment platform is configured to use the license key to gain access to a production system of the acquirer processor.

10. The financial transaction certification and analytics system of claim 9 , wherein the production system is configured to process actual financial transactions.

11. The financial transaction certification and analytics system of claim 7 , wherein the test transaction includes at least one data field to be compared with the at least one expected value by the analytics engine.

12. The financial transaction certification and analytics system of claim 7 , wherein the license key is sent to one or more of the payment platform or a developer of the payment platform.

13. The financial transaction certification system of claim 7 , wherein the test transaction includes at least one data field to be compared with one or more of an expected value, an expected range of values, a threshold value, a subset of alphanumeric values, a plurality of alphanumeric values, a valid token, a payment card number, a merchant identification number, and a payment amount.

14. The financial transaction certification system of claim 7 , wherein the payment platform is selected from a group consisting of a point of sale terminal, a point of sale system, a payment platform with new software or firmware, and a payment platform with a feature to be certified.

15. A computer-implemented method, comprising:

sending a test transaction from a payment platform to an acquirer processor system;

receiving a request identifier from the acquirer processor system in response to sending the test transaction;

sending the request identifier to an analytics system associated with the acquirer processor system, the analytics system being configured to

receive the request identifier,

retrieve transaction data associated with the test transaction from the acquirer processor system based at least in part on the request identifier,

compare at least a portion of the retrieved transaction data with at least one expected value, and

send a license key to the payment platform based at least in part on the comparison;

receiving the license key from the analytics system; and

using the license key, accessing a production system of the acquirer processor system to process an electronic payment transaction.

16. The computer-implemented method of claim 15 , wherein the acquirer processor system further includes a certification test system.

17. The computer-implemented method of claim 15 , wherein the test transaction includes at least one data field to be compared with the at least one expected value by the analytics system.

18. The computer-implemented method of claim 15 , wherein the payment platform is configured to use the license key to gain access to the production system of the acquirer processor system.

19. The computer-implemented method of claim 15 , further comprising:

sending a test identifier associated with the test transaction to the analytics system, wherein the analytics system retrieves the at least one expected value based at least in part on the test identifier.

20. The computer-implemented method of claim 15 , further comprising:

sending, based at least in part on the comparison, a second test transaction to the acquirer processor system.