System and apparatus for transaction data format and function verification

Abstract

A system for processing transaction data is provided. The system includes a transaction data format system receiving transaction data and generating transaction data format error data, such as when the transaction data is not in compliance with a transaction data format. The system also includes a transaction data rules system receiving the transaction data and generating transaction rule error data, such as when the transaction data is in the proper format but nevertheless violates a rule of one or more financial processing system.

What is claimed is: 
     
         1 . A system for processing transaction data for two or more financial processing systems comprising:
 a transaction data format system receiving transaction data and generating transaction data format error data; and   a transaction data rules system receiving the transaction data and generating transaction rule error data.   
     
     
         2 . The system of  claim 1  wherein the transaction data format system further comprises an extensible markup language data type definition that defines allowable transaction data fields, and the transaction data format system determines whether the transaction data complies with the data type definition. 
     
     
         3 . The system of  claim 1  wherein the transaction data rules system further comprises an authorization response rules system receiving the transaction data and generating authorization response rule error data. 
     
     
         4 . The system of  claim 1  wherein the transaction data rules system further comprises an address verification rules system receiving the transaction data and generating address verification rule error data. 
     
     
         5 . The system of  claim 1  wherein the transaction data rules system further comprises a card verification value rules system receiving the transaction data and generating card verification value rule error data. 
     
     
         6 . The system of  claim 1  wherein the transaction data rules system further comprises a processing status rules system receiving the transaction data and generating processing status rule error data. 
     
     
         7 . The system of  claim 1  wherein the transaction data rules system further comprises a downgrade rules system receiving the transaction data and generating downgrade rule error data. 
     
     
         8 . The system of  claim 1  further comprising an error display system receiving the transaction data format error data or the transaction rule error data and generating notification data containing the transaction data format error data or the transaction rule error data. 
     
     
         9 . The system of  claim 1  further comprising a corrective action system receiving transaction data format correction data or transaction rule correction data and providing the transaction data format correction data or transaction rule correction data to the transaction data format system or the transaction rules system. 
     
     
         10 . A method for processing transaction data comprising:
 receiving the transaction data at a payment processing system;   generating data format error data if the transaction data does not comply with a data format; and   generating transaction rules error data if the transaction data does not comply with a transaction rule.   
     
     
         11 . The method of  claim 10  wherein generating the data format error data comprises displaying format violation data. 
     
     
         12 . The method of  claim 10  wherein generating the transaction rules error data comprises displaying transaction rule violation data. 
     
     
         13 . The method of  claim 10  further comprising transmitting the transaction data to a financial processing system if data format error data or transaction rules error data has not been transmitted. 
     
     
         14 . The method of  claim 10  further comprising:
 receiving corrected transaction data; and 
 transmitting the corrected transaction data to financial processing system. 
 
     
     
         15 . The method of  claim 10  wherein the data format comprises one or more of the group comprising the data formats defined in TABLE 1. 
     
     
         16 . The method of  claim 10  wherein the transaction rule comprises one or more of the group comprising the rules defined in TABLES 2 through 11. 
     
     
         17 . A system for processing transaction data comprising:
 transaction data format means receiving transaction data and generating transaction data format error data; and   transaction data rules means receiving the transaction data and generating transaction rule error data.   
     
     
         18 . The system of  claim 17  wherein the transaction data rules means further comprises database rules means generating database error data. 
     
     
         19 . The system of  claim 17  wherein the transaction data rules means further comprises validation rules means generating validation error data. 
     
     
         20 . The system of  claim 17  wherein the transaction data rules means further comprises financial processor rules means generating financial processor error data for one of two or more financial processors.