Methods and systems for dual-to-single message conversion in electronic transactions

1. A computer-implemented method for electronic transaction message conversion, comprising:

receiving an authorization request message from a point of sale (POS) device, the authorization request message comprising transaction data;

validating the authorization request message;

storing the transaction data in a transaction data database;

generating a provisional authorization response message;

sending the provisional authorization response message to the POS device;

receiving a capture message from the POS device, the capture message having been generated by the POS device in response to the provisional authorization response message;

validating the capture message;

translating the capture message to a composite message, the composite message being single-message system (SMS)-compatible; and

sending the composite message to a payment network.

2. The method of claim 1 , wherein the authorization request message and the capture message are dual-message system (DMS)-compatible.

3. The method of claim 1 , wherein validating the authorization request message comprises one or more of:

running a mod check on an account number included in the authorization request message; and

running a credit check on an account holder.

4. The method of claim 1 , wherein the transaction data comprises at least one of: a transaction amount, a primary account number (PAN), an expiration date, a merchant identifier, and a bank identification number (BIN).

5. The method of claim 1 , wherein the provisional authorization response message is associated with a unique identifier, and further comprising:

storing the unique identifier in association with the transaction data.

6. The method of claim 5 , wherein the capture message comprises the unique identifier and transaction clearing and settlement data.

7. The method of claim 6 , wherein validating the capture message comprises:

retrieving the transaction data from the transaction data database using the unique identifier in the capture message; and

comparing the retrieved transaction data against at least a portion of the transaction clearing and settlement data.

8. The method of claim 1 , wherein the authorization request message, the capture message, and the composite message are in ISO 8583 format.

9. The method of claim 8 , wherein translating the capture message to a composite message comprises:

converting a first message type indicator of the capture message to a second message type indicator corresponding to the composite message;

merging at least a portion of the transaction data with the transaction clearing and settlement data; and

inserting the second message type indicator and the merged transaction and transaction clearing and settlement data in the composite message.

10. The method of claim 1 , further comprising:

receiving a first final authorization response message from the payment network, the first final authorization response message being SMS-compatible;

translating the first final authorization response message to a second final authorization response message, the second final authorization response message being DMS-compatible;

sending the second final authorization response message to the POS device.

11. The method of claim 10 , wherein the first final authorization response message and the second final authorization response message are in ISO 8583 format, and wherein translating the first final authorization response message to a second final authorization response message comprises:

converting a third message type indicator of the first final authorization response message to a fourth message type indicator corresponding to the second final authorization response message; and

inserting the fourth message type indicator in the second final authorization response message.

12. A non-transitory computer readable medium for electronic transaction message conversion, the non-transitory computer readable medium storing instructions that, when executed by one or more processors, cause the one or more processors to perform:

receiving an authorization request message from a point of sale (POS) device, the authorization request message comprising transaction data;

validating the authorization request message;

storing the transaction data in a transaction data database;

generating a provisional authorization response message;

sending the provisional authorization response message to the POS device;

receiving a capture message from the POS device, the capture message having been generated by the POS device in response to the provisional authorization response message;

validating the capture message;

translating the capture message to a composite message, the composite message being single-message system (SMS)-compatible; and

sending the composite message to a payment network.

13. The non-transitory computer readable medium of claim 12 , wherein the authorization request message and the capture message are dual-message system (DMS)-compatible.

14. The non-transitory computer readable medium of claim 12 , wherein the instructions further cause the one or more processors to perform:

receiving a first final authorization response message from the payment network, the first final authorization response message being SMS-compatible;

translating the first final authorization response message to a second final authorization response message, the second final authorization response message being DMS-compatible; and

sending the second final authorization response message to the POS device.

15. The method of claim 12 , wherein validating the authorization request message comprises one or more of:

running a mod check on an account number included in the authorization request message; and

running a credit check on an account holder.

16. A system for electronic transaction messaging conversion, the system comprising:

one or more processors;

a non-transitory computer readable medium storing instructions that, when executed by the one or more processors, cause the one or more processors to perform:

receiving an authorization request message from a point of sale (POS) device, the authorization request message comprising transaction data;

validating the authorization request message;

storing the transaction data in a transaction data database;

generating a provisional authorization response message;

sending the provisional authorization response message to the POS device;

receiving a capture message from the POS device, the capture message having been generated by the POS device in response to the provisional authorization response message;

validating the capture message;

translating the capture message to a composite message, the composite message being single-message system (SMS)-compatible; and

sending the composite message to a payment network.

17. The system of claim 16 , wherein the provisional authorization response message is associated with a unique identifier, and wherein the instructions further cause the one or more processors to perform:

storing the unique identifier in association with the transaction data.

18. The system of claim 17 , wherein the capture message comprises the unique identifier and transaction clearing and settlement data.

19. The system of claim 18 , wherein validating the capture message comprises:

retrieving the transaction data from the transaction database using the unique identifier in the capture message; and

comparing the retrieved transaction data against at least a portion of the transaction clearing and settlement data.

20. The system of claim 16 , wherein the authorization request message, the capture message, and the composite message are in ISO 8583 format, and wherein translating the capture message to a composite message comprises:

converting a first message type indicator of the capture message to a second message type indicator corresponding to the composite message;

merging at least a portion of the transaction data with the transaction clearing and settlement data; and

inserting the second message type indicator and the merged transaction and transaction clearing and settlement data in the composite message.