IP Library Granted Patent US 11,461,755
Granted Patent B2
US 11,461,755 · App. 17/039,646 · Granted Oct 4, 2022

Closed-loop testing of integrated circuit card payment terminals

Inventors: Patricia Lynn Walters (Phoenix, AZ); Steven Scott Cole (West Chester, OH)
Assignee: Worldpay, LLC
G06Q20/202G01R27/28G06Q20/40
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Quick Facts
Patent No.
US 11,461,755
App. No.
17/039,646
Granted
Oct 4, 2022
Kind
B2
Abstract

Technologies for closed-looped testing of integrated circuit card payment terminals include loading a test profile onto an integrated circuit payment card. Authorization request and response messages are locally generated and translated to simulate acquirer processor processing and payment network processing. An outcome report indicative of the outcome of the test transaction is generated and transmitted to a remote certification server. Other embodiments are described and claimed.

Claims (51)

1. A method for testing of integrated circuit device terminals in a first network environment, the method comprising:

receiving, by a simulation server and from a merchant transaction server of the first network environment, a first test authorization request message for a test data transaction, the first test authorization request message corresponding to a test profile;

translating, by the simulation server, the first test authorization request message into a second test authorization request message;

generating, by the simulation server, a first test authorization response message based on the second test authorization request message and the test profile;

translating, by the simulation server, the first test authorization response message into a second test authorization response message;

transmitting, by the simulation server, the second test authorization response message to the merchant transaction server;

receiving, by the simulation server and from an integrated circuit device, test log data corresponding to the test data transaction; and

determining, by the simulation server, whether one or more integrated circuit device terminals are operable outside of the first network environment based on at least part of the received test log data.

2. The method of claim 1 , further comprising, prior to receiving the first test authorization request message:

loading, by the simulation server, the test profile onto the integrated circuit device.

3. The method of claim 1 , wherein the merchant transaction server is one of the one or more integrated circuit device terminals.

4. The method of claim 1 , wherein the first test authorization request message is in a first format and the second test authorization request message is in a second format.

5. The method of claim 1 , wherein the first test authorization response message is in a second format and the second test authorization request message is in a first format.

6. The method of claim 1 , wherein determining whether one or more integrated circuit device terminals may operate outside of the first network environment further comprises:

determining, by the simulation server, an outcome of the test data transaction based on the test profile; and

transmitting, by the simulation server and to a certification management server of a second network environment, an outcome report based on the outcome of the test data transaction.

7. The method of claim 6 , wherein determining the outcome of the test data transaction comprises:

determining whether the test data transaction passed or failed by comparing one or more of a transaction amount, transaction type, and transaction vehicle characteristics of the test profile with the test log data.

8. The method of claim 7 , wherein the test log data comprises transaction data generated by the merchant transaction server based on the first test authorization request message and the second test authorization response message.

9. The method of claim 1 , wherein the first network environment comprises a merchant environment and the outside of the first network environment comprises an acquirer processor environment remote from the merchant environment.

10. The method of claim 1 , wherein the test profile comprises test parameters defining the test data transaction to be processed in the first network environment.

11. A system for testing of integrated circuit device terminals in a first network environment, the system comprising:

one or more processors; and

one or more storage devices storing instructions which, when executed by the one or more processors, cause the one or more processors to perform operations comprising:

receiving, by a simulation server and from a merchant transaction server of the first network environment, a first test authorization request message for a test data transaction, the first test authorization request message corresponding to a test profile;

translating, by the simulation server, the first test authorization request message into a second test authorization request message;

generating, by the simulation server, a first test authorization response message based on the second test authorization request message and the test profile;

translating, by the simulation server, the first test authorization response message into a second test authorization response message;

transmitting, by the simulation server, the second test authorization response message to the merchant transaction server;

receiving, by the simulation server and from an integrated circuit device, test log data corresponding to the test data transaction; and

determining, by the simulation server, whether one or more integrated circuit device terminals are operable outside of the first network environment based on at least part of the received test log data.

12. The system of claim 11 , the operations further comprising, prior to receiving the first test authorization request message:

loading, by the simulation server, the test profile onto the integrated circuit device.

13. The system of claim 11 , wherein the merchant transaction server is one of the one or more integrated circuit device terminals.

14. The system of claim 11 , wherein the first test authorization request message is in a first format and the second test authorization request message is in a second format.

15. The system of claim 11 , wherein the first test authorization response message is in a second format and the second test authorization request message is in a first format.

16. The system of claim 11 , wherein determining whether one or more integrated circuit device terminals may operate outside of the first network environment further comprises:

determining, by the simulation server, an outcome of the test data transaction based on the test profile; and

transmitting, by the simulation server and to a certification management server of a second network environment, an outcome report based on the outcome of the test data transaction.

17. The system of claim 16 , wherein determining the outcome of the test data transaction comprises:

determining whether the test data transaction passed or failed by comparing one or more of a transaction amount, transaction type, and transaction vehicle characteristics of the test profile with the test log data.

18. The system of claim 17 , wherein the test log data comprises transaction data generated by the merchant transaction server based on the first test authorization request message and the second test authorization response message.

19. The system of claim 11 , wherein the first network environment comprises a merchant environment and the outside of the first network environment comprises an acquirer processor environment remote from the merchant environment.

20. One or more non-transitory computer readable media for testing of integrated circuit device terminals in a first network environment, the one or more non-transitory computer readable media storing instructions which, when executed by one or more processors, cause the one or more processors to perform operations comprising:

receiving, by a simulation server and from a merchant transaction server of the first network environment, a first test authorization request message for a test data transaction, the first test authorization request message corresponding to a test profile;

translating, by the simulation server, the first test authorization request message into a second test authorization request message;

generating, by the simulation server, a first test authorization response message based on the second test authorization request message and the test profile;

translating, by the simulation server, the first test authorization response message into a second test authorization response message;

transmitting, by the simulation server, the second test authorization response message to the merchant transaction server;

receiving, by the simulation server and from an integrated circuit device, test log data corresponding to the test data transaction; and

determining, by the simulation server, whether one or more integrated circuit device terminals are operable outside of the first network environment based on at least part of the received test log data.

Assignments (6)
RELEASE OF SECURITY INTERESTS RECORDED AT REEL/FRAMES 066626/0655, 066625/0426, 066625/0347, AND 066625/0276 Recorded Jan 12, 2026
From: WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
To: WORLDPAY, LLC; WORLDPAY ISO AND ECOMMERCE, LLC; PAYMETRIC, LLC; WORLDPAY US, LLC
Reel/Frame 074314/0622 →
RELEASE OF SECURITY INTEREST IN INTELLECTUAL PROPERTY RECORDED AT R/F 066624/0719 Recorded Jan 12, 2026
From: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
To: WORLDPAY, LLC
Reel/Frame 074315/0412 →
SECURITY INTEREST Recorded Feb 19, 2024
From: WORLDPAY, LLC
To: JPMORGAN CHASE BANK, N.A., AS COLLATERAL AGENT
Reel/Frame 066624/0719 →
SECURITY INTEREST Recorded Feb 19, 2024
From: WORLDPAY, LLC
To: WILMINGTON TRUST, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
Reel/Frame 066626/0655 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Oct 1, 2020
From: WALTERS, PATRICIA LYNN; COLE, STEVEN SCOTT
To: VANTIV, LLC
Reel/Frame 053944/0015 →
CHANGE OF NAME Recorded Oct 1, 2020
From: VANTIV, LLC
To: WORLDPAY, LLC
Reel/Frame 053957/0357 →
Continuity (4)
Continuation 16409171 · May 10, 2019
Continuation 15236867 · Aug 15, 2016
Continuation 14732921 · Jun 8, 2015
Related Publication 20210019721A1 · Jan 21, 2021