Granted Patent B2

US 12,646,056 · App. 18/812,013 · Granted Jun 2, 2026

Inventors: Sarala Buradagunta (West Orange, NJ); Ravi Kumar Cherukuru (O'Fallon, MO)

Assignee: Mastercard International Incorporated

G06Q20/3825G06Q20/065G06Q20/38215G06Q20/3827

Abstract

Claims (41)

1 . A method for enabling the use of blockchain smart contracts as part of a traditional payment transaction, comprising:

receiving, by a processing server, a transaction message for a payment transaction with a merchant wherein the transaction message includes at least a bank identification value, wherein said processing server includes

a first communication port that is connected to payment rails of a payment network and is configured to communicate with a first computing system,

a second communication port that is connected to a network different from the payment network and is configured to communicate with a second computing system;

determining, by the processing server, a routing plan for the transaction message based on at least the bank identification value and information included in a routing database of the processing server; and

transmitting, by the processing server, the transaction message to both (i) the first computing system via the first communication port, of the processing server, that is connected to payment rails of the payment network, and (ii) the second computing system via the second communication port, of the processing server, that is connected to the network different from the payment network, based on the determined routing plan, wherein the first computing system is the payment rails, and the second computing system is a blockchain node.

2 . The method of claim 1 , wherein

the transaction message transmitted using the first communication port uses a first protocol, and

the transaction message transmitted using the second communication port uses a second protocol.

3 . The method of claim 1 , further comprising:

identifying, by the second computing system, a smart contract stored on a blockchain associated with the blockchain network based on at least the transaction data; and

executing, by the second computing system, the identified smart contract using one or more values included in the transaction data as input for the smart contract.

4 . The method of claim 3 , wherein

the transaction message includes a data element reserved for private use storing a unique identification value, and

the smart contract is identified using the unique identification value.

5 . The method of claim 1 , wherein

the transaction message includes a data element reserved for private use storing a routing value, and

the routing plan is further determined based on the routing value.

6 . The method of claim 1 , further comprising:

receiving, by the processing server, a confirmation message from the first computing system indicating approval of the payment transaction, wherein the confirmation is received prior to transmitting the transaction message to the second computing system.

7 . A system for enabling the use of blockchain smart contracts as part of a traditional payment transaction, comprising:

a first computing system;

a second computing system; and

a processing server, the processing server including

a first communication port that is connected to payment rails of a payment network and is configured to communicate with the first computing system, and

a second communication port that is connected to a network different from the payment network and is configured to communicate with the second computing system,

wherein the processing server is configured to

receive, from a merchant, a transaction message for a payment transaction with the merchant, wherein the transaction message includes at least a bank identification value,

determine a routing plan for the transaction message based on at least the bank identification value and information included in a routing database of the processing server, and

transmit the transaction message to both (i) the first computing system via the first communication port, of the processing server, that is connected to payment rails of the payment network, and (ii) the second computing system via the second communication port, of the processing server, that is connected to the network different from the payment network, based on the determined routing plan, wherein the first computing system is the payment rails, and the second computing system is a blockchain node.

8 . The system of claim 7 , wherein

the transaction message transmitted using the first communication port uses a first protocol, and

the transaction message transmitted using the second communication port uses a second protocol.

9 . The system of claim 8 , wherein the second computing system is configured to (i) identify a smart contract stored on a blockchain associated with the blockchain network based on at least the transaction data, and (ii) execute the identified smart contract using one or more values included in the transaction data as input for the smart contract.

10 . The system of claim 7 , wherein

the transaction message includes a data element reserved for private use storing a unique identification value, and

the smart contract is identified using the unique identification value.

11 . The system of claim 7 , wherein

the transaction message includes a data element reserved for private use storing a routing value, and

the routing plan is further determined based on the routing value.

12 . The system of claim 7 , wherein the processing server further receives a confirmation message from the first computing system indicating approval of the payment transaction, wherein the confirmation is received prior to transmitting the transaction message to the second computing system.

Assignments (1)

Continuity (2)

References Cited (15)