IP Library Granted Patent US 12,248,915
Granted Patent B2
US 12,248,915 · App. 18/185,566 · Granted Mar 11, 2025

System and method for payment processing telemetry

Inventor: Jackson Andrew Unrau (Littleton, CO)
Assignee: Worldpay, LLC
G06Q20/10G06Q20/386
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Quick Facts
Patent No.
US 12,248,915
App. No.
18/185,566
Granted
Mar 11, 2025
Kind
B2
Abstract

A computer-implemented system and method of tracking telemetry data at a financial computing system is presented. The system and method includes receiving an electronic message that includes a payment transaction originating from a payment terminal, and associating a unique transaction identifier to the payment transaction. Telemetry data for the payment transaction is received from payment processing applications through a telemetry interface and aggregated into a data store. The aggregated telemetry data associated with the unique identifier is presented on a user interface by the financial computing system.

Claims (58)

1. At a computing system including a telemetry application and a plurality of electronic transaction processing applications, a computer-implemented method of tracking an electronic transaction based on telemetry data, comprising:

receiving, by the computing system over a network, the electronic transaction including a payment transaction originating from a first electronic transaction processing application, among the plurality of electronic transaction processing applications, associated with a point of sale terminal where a user presents a payment vehicle to a merchant for payment of goods or services;

associating, by the computing system, a unique transaction identifier to the electronic transaction to identify one or more of operations or metrics associated with processing of the payment transaction;

retrieving, by the telemetry application of the computing system, first telemetry data associated with the electronic transaction corresponding to at least one of performance data, metadata, log messages, or metrics generated by each of the plurality of electronic transaction processing applications;

determining, by the telemetry application of the computing system, at least one of a first time and a first duration associated with the first telemetry data;

receiving, by the telemetry application of the computing system over the network, second telemetry data associated with the electronic transaction from the first electronic transaction processing application associated with the point of sale terminal;

receiving, by the telemetry application of the computing system over the network, third telemetry data associated with the electronic transaction from a second electronic transaction processing application, among the plurality of electronic transaction processing applications, associated with a remote electronic transaction processing device;

determining, by the telemetry application of the computing system, at least one of a second time and a second duration associated with the second telemetry data and at least one of a third time and a third duration associated with the third telemetry data;

aggregating, by the telemetry application of the computing system, the first telemetry data, the second telemetry data, and the third telemetry data by linking the first telemetry data, the second telemetry data, and the third telemetry data with the unique transaction identifier;

sorting, by the telemetry application of the computing system, the first telemetry data, the second telemetry data, and the third telemetry data into a chronological format;

presenting, by the computing system, the first telemetry data, the second telemetry data, and the third telemetry data associated with the electronic transaction on a user interface in the chronological format to enable a user to trace the electronic transaction while processing the electronic transaction in real-time or after the electronic transaction has been processed,

wherein the network comprises a plurality of electronic transaction associated computing devices including the remote electronic transaction processing device, and the method further comprises receiving, by the computing system over the network, fourth telemetry data from at least one of the plurality of electronic transaction associated computing devices,

wherein the plurality of electronic transaction associated computing devices includes the point of sale terminal, and

wherein presenting the first telemetry data, the second telemetry data, and the third telemetry data associated with the electronic transaction on the user interface includes presenting network timing data associated with communications across respective network interfaces associated with processing the electronic transaction.

2. The computer-implemented method of claim 1 , wherein the first telemetry data, the second telemetry data, or the third telemetry data comprises at least one of the log messages and time-based data.

3. The computer-implemented method of claim 1 , wherein the first telemetry data, the second telemetry data, or the third telemetry data comprises at least one of application telemetry data and network telemetry data.

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

inspecting, by the telemetry application of the electronic transaction processing system, respective packets associated with the second telemetry data and the third telemetry data.

5. The computer-implemented method of claim 1 , wherein the first telemetry data, the second telemetry data, or the third telemetry data is presented in a description column that describes the associated process, a type column that describes whether a process or operation is started or completed, a result column that describes the result or returned value from a process or operation, a timestamp column, a duration column, any number of flag type columns for describing or flagging important operations, errors, and or tracking counts of operations, and one or more identification columns for identifying the unique transaction identifier, the plurality of electronic transaction processing applications, the point of sale terminal, and the remote electronic transaction processing device.

6. The computer-implemented method of claim 1 , wherein the computing system is a merchant acquirer computing system.

7. A non-transitory computer readable medium having instructions stored thereon that when executed by a processor of a computing system cause the processor to perform operations:

receiving, by the computing system over a network, an electronic transaction including a payment transaction originating from a first electronic transaction processing application, among a plurality of electronic transaction processing applications, associated with a point of sale terminal where a user presents a payment vehicle to a merchant for payment of goods or services;

associating, by the computing system, a unique transaction identifier to the electronic transaction to identify one or more of operations or metrics associated with processing of the payment transaction;

retrieving first telemetry data associated with the electronic transaction corresponding to at least one of performance data, metadata, log messages, or metrics generated by each of the plurality of electronic transaction processing applications;

determining, by a telemetry application of the computing system, at least one of a first time and a first duration associated with the first telemetry data;

receiving, by the telemetry application of the computing system over the network, second telemetry data associated with the electronic transaction from the first electronic transaction processing application associated with the point of sale terminal;

receiving, by the telemetry application of the computing system over the network, third telemetry data associated with the electronic transaction from a second electronic transaction processing application, among the plurality of electronic transaction processing applications, associated with a remote electronic transaction processing device;

determining, by the telemetry application of the computing system, at least one of a second time and a second duration associated with the second telemetry data and at least one of a third time and a third duration associated with the third telemetry data;

aggregating, by the telemetry application of the computing system, the first telemetry data, the second telemetry data, and the third telemetry data by linking the first telemetry data, the second telemetry data, and the third telemetry data with the unique transaction identifier;

sorting, by the telemetry application of the computing system, the first telemetry data, the second telemetry data, and the third telemetry data into a chronological format;

presenting, by the computing system, the first telemetry data, the second telemetry data, and the third telemetry data associated with the electronic transaction on a user interface in the chronological format to enable a user to trace the electronic transaction while processing the electronic transaction in real-time or after the electronic transaction has been processed,

wherein the network comprises a plurality of electronic transaction associated computing devices including the remote electronic transaction processing device, and the instructions further cause the processor to receive fourth telemetry data from at least one of the plurality of electronic transaction associated computing devices,

wherein the plurality of electronic transaction associated computing devices includes the point of sale terminal, and

wherein presenting the first telemetry data, the second telemetry data, and the third telemetry data associated with the electronic transaction on the user interface includes presenting network timing data associated with communications across respective network interfaces associated with processing the electronic transaction.

8. The non-transitory computer readable medium of claim 7 , wherein the first telemetry data, the second telemetry data, or the third telemetry data comprises at least one of the log messages and time-based data.

9. The non-transitory computer readable medium of claim 7 , wherein the first telemetry data, the second telemetry data, or the third telemetry data comprises at least one of application telemetry data and network telemetry data.

10. The non-transitory computer readable medium of claim 7 , wherein the operations further comprise:

inspecting, by the telemetry application of the electronic transaction processing system, respective packets associated with the second telemetry data and the third telemetry data.

11. The non-transitory computer readable medium of claim 7 , wherein the first telemetry data, the second telemetry data, or the third telemetry data is presented in a description column that describes the associated process, a type column that describes whether a process or operation is started or completed, a result column that describes the result or returned value from a process or operation, a timestamp column, a duration column, any number of flag type columns for describing or flagging important operations, errors, and or tracking counts of operations, and one or more identification columns for identifying the unique transaction identifier, the plurality of electronic transaction processing applications, the point of sale terminal, and the remote electronic transaction processing device.

12. The non-transitory computer readable medium of claim 7 , wherein the processor is implemented on a merchant acquirer computing system.

13. An electronic transaction processing system, comprising at least one computer processor, the at least one computer processor configured to execute instructions for:

receiving, by a computing system over a network, an electronic transaction including a payment transaction originating from a first electronic transaction processing application, among a plurality of electronic transaction processing applications, associated with a point of sale terminal where a user presents a payment vehicle to a merchant for payment of goods or services;

associating, by the computing system, a unique transaction identifier to the electronic transaction to identify one or more of operations or metrics associated with processing of the payment transaction;

retrieving, by a telemetry application of the electronic transaction processing system, first telemetry data associated with the electronic transaction corresponding to at least one of performance data, metadata, log messages, or metrics generated by each of the plurality of electronic transaction processing applications;

determining, by the telemetry application of the computing system, at least one of a first time and a first duration associated with the first telemetry data;

receiving, by the telemetry application of the computing system over the network, second telemetry data associated with the electronic transaction from the first electronic transaction processing application associated with the point of sale terminal;

receiving, by the telemetry application of the computing system over the network, third telemetry data associated with the electronic transaction from a second electronic transaction processing application, among the plurality of electronic transaction processing applications, associated with a remote electronic transaction processing device;

determining, by the telemetry application of the computing system, at least one of a second time and a second duration associated with the second telemetry data and at least one of a third time and a third duration associated with the third telemetry data;

aggregating, by the telemetry application of the computing system, the first telemetry data, the second telemetry data, and the third telemetry data by linking the first telemetry data, the second telemetry data, and the third telemetry data with the unique transaction identifier;

sorting, by the telemetry application of the computing system, the first telemetry data, the second telemetry data, and the third telemetry data into a chronological format;

presenting, by the computing system, the first telemetry data, the second telemetry data, and the third telemetry data associated with the electronic transaction on a user interface in the chronological format to enable a user to trace the electronic transaction while processing the electronic transaction in real-time or after the electronic transaction has been processed,

wherein the network comprises a plurality of electronic transaction associated computing devices including the remote electronic transaction processing device, and the at least one computer processor is further configured for receiving fourth telemetry data from at least one of the plurality of electronic transaction associated computing devices,

wherein the plurality of electronic transaction associated computing devices includes the point of sale terminal, and

wherein presenting the first telemetry data, the second telemetry data, and the third telemetry data associated with the electronic transaction on the user interface includes presenting network timing data associated with communications across respective network interfaces associated with processing the electronic transaction.

14. The electronic transaction processing system of claim 13 , wherein the first telemetry data, the second telemetry data, or the third telemetry data comprises at least one of the log messages and time-based data.

15. The electronic transaction processing system of claim 13 , wherein the network comprises a plurality of electronic transaction associated computing devices including the remote electronic transaction processing device.

16. The electronic transaction processing system of claim 13 , wherein the electronic transaction processing system is a merchant acquirer computing system.

17. The electronic transaction processing system of claim 13 , wherein the first telemetry data, the second telemetry data, or the third telemetry data is presented in a description column that describes the associated process, a type column that describes whether a process or operation is started or completed, a result column that describes the result or returned value from a process or operation, a timestamp column, a duration column, any number of flag type columns for describing or flagging important operations, errors, and or tracking counts of operations, and one or more identification columns for identifying the unique transaction identifier, the plurality of electronic transaction processing applications, the point of sale terminal, and the remote electronic transaction processing device.

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 Mar 17, 2023
From: UNRAU, JACKSON ANDREW
To: VANTIV, LLC
Reel/Frame 063017/0753 →
CHANGE OF NAME Recorded Mar 17, 2023
From: VANTIV, LLC
To: WORLDPAY, LLC
Reel/Frame 063116/0697 →
Continuity (2)
Continuation 14522685 · Oct 24, 2014
Related Publication 20230222461A1 · Jul 13, 2023
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