Methods and systems for dual-to-single message conversion in electronic transactions
Systems and methods are disclosed for electronic transaction messaging conversion. One method comprises receiving an authorization request message from a point of sale (POS) device, the authorization request message comprising transaction data associated with a transaction. Upon validating the authorization request message, a provisional authorization response message may be generated and sent to the POS device. Subsequently, a capture message may be received from the POS device, requesting clearing and settlement of the transaction. The capture message may be validated and translated to a composite message that is single-message system (SMS)-compatible. The composite message may then be sent downstream for further processing.
1. A computer-implemented method for electronic transaction message conversion, comprising:
receiving a provisional authorization response message associated with a transaction;
storing data associated with the provisional authorization response message in a transaction database;
receiving an authorization reversal request message associated with the transaction;
validating the authorization reversal request message;
storing data associated with the authorization reversal request message in the transaction database;
determining that the provisional authorization response message and the authorization reversal message are associated with the same transaction by comparing a unique identifier of the authorization reversal request message to a unique identifier of the provisional authorization response message;
receiving a capture message in response to the authorization reversal request message;
validating the capture message;
translating the capture message to a composite message; and
sending the composite message to a payment network.
2. The method of claim 1 , wherein the authorization reversal request message and the capture message are dual-message system (DMS)-compatible.
3. The method of claim 1 , wherein the composite message is single-message system (SMS)-compatible.
4. The method of claim 1 , wherein validating the authorization reversal request message comprises one or more of:
running a mod check on an account number included in the authorization reversal request message; and
running a credit check on an account holder.
5. The method of claim 1 , wherein the data associated with the authorization reversal request message 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).
6. The method of claim 1 , wherein the authorization reversal request message includes a request to cancel the transaction.
7. The method of claim 1 , wherein the capture message comprises the unique identifier of the authorization reversal request message and transaction clearing and settlement data.
8. The method of claim 7 , wherein validating the capture message comprises:
retrieving at least a part of the data associated with the authorization reversal request message from the transaction database using the unique identifier in the capture message; and
comparing the retrieved data from the transaction database against at least a portion of the transaction clearing and settlement data.
9. The method of claim 7 , wherein translating the capture message to the 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 data associated with the authorization reversal request message with the transaction clearing and settlement data; and
inserting the second message type indicator and the merged at least the portion of the data associated with the authorization reversal request message and transaction clearing and settlement data in the composite message.
10. The method of claim 1 , wherein the authorization reversal request message, the capture message, and the composite message are in ISO 8583 format.
11. 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 single-message system (SMS)-compatible;
translating the first final authorization response message to a second final authorization response message, the second final authorization response message being dual-message system (DMS)-compatible; and
sending the second final authorization response message to a point of sale (POS) device.
12. The method of claim 11 , 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.
13. 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 a provisional authorization response message associated with a transaction;
storing data associated with the provisional authorization response message in a transaction database;
receiving an authorization reversal request message associated with the transaction;
validating the authorization reversal request message;
storing data associated with the authorization reversal request message in the transaction database;
determining that the provisional authorization response message and the authorization reversal message are associated with the same transaction by comparing a unique identifier of the authorization reversal request message to a unique identifier of the provisional authorization response message;
receiving a capture message in response to the authorization reversal request message;
validating the capture message;
translating the capture message to a composite message; and
sending the composite message to a payment network.
14. The non-transitory computer readable medium of claim 13 , wherein the authorization reversal request message includes a request to cancel the transaction.
15. The non-transitory computer readable medium of claim 13 , wherein the authorization reversal request message and the capture message are dual-message system (DMS)-compatible.
16. The non-transitory computer readable medium of claim 13 , 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 single-message system (SMS)-compatible;
translating the first final authorization response message to a second final authorization response message, the second final authorization response message being dual-message system (DMS)-compatible; and
sending the second final authorization response message to a point of sale (POS) device.
17. The non-transitory computer readable medium of claim 16 , 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.
18. A system for electronic transaction messaging conversion, the system comprising:
one or more processors; and
at least one 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 a provisional authorization response message associated with a transaction;
storing data associated with the provisional authorization response message in a transaction database;
receiving an authorization reversal request message associated with the transaction;
validating the authorization reversal request message;
storing data associated with the authorization reversal request message in the transaction database;
determining that the provisional authorization response message and the authorization reversal message are associated with the same transaction by comparing a unique identifier of the authorization reversal request message to a unique identifier of the provisional authorization response message;
receiving a capture message in response to the authorization reversal request message;
validating the capture message;
translating the capture message to a composite message; and
sending the composite message to a payment network.
19. The system of claim 18 , wherein the authorization reversal request message includes a request to cancel the transaction.
20. The system of claim 18 , wherein the authorization reversal request message and the capture message are dual-message system (DMS)-compatible.