Systems and methods for processing off-network transaction messages

Abstract

A method for applying services hosted on a second interchange network to a transaction initiated over a first interchange network includes transmitting, by a first processor associated with the second interchange network to a requestor computing device, data element layouts usable to map service requests associated with payment transactions received over the first interchange network into the second message format, and for service responses generated by a services platform hosted on the second interchange network. The method also includes receiving a service request from the requestor computing device including request data associated with a transaction initiated on the first interchange network, generating, by the services platform, response data by applying at least one registered service to the service request, and transmitting a services response including the response data, wherein the previously transmitted second data element layout enables the requestor computing device to extract the response data from the services response.

1 - 30 . (canceled) 
     
     
         31 . A computer-implemented method for applying services hosted on a second interchange network to a payment transaction initiated over a first interchange network, wherein the first interchange network utilizes a first message format including a first set of proprietary communications standards for the exchange of financial transaction data and the settlement of funds between financial institutions that are members of the first interchange network, and the second interchange network utilizes a second message format including a second set of proprietary communications standards for the exchange of financial transaction data and the settlement of funds between financial institutions that are members of the second interchange network, said method comprising:
 transmitting, by a first processor associated with the second interchange network to a requestor computing device, (i) a first data element layout usable to map service requests associated with payment transactions received by the requestor computing device over the first interchange network into the second message format, and (ii) a second data element layout for service responses generated by a services platform hosted on the second interchange network;   receiving, at an interface processor of the second interchange network, a service request from the requestor computing device, wherein the service request is compliant with the second message format and includes request data associated with a corresponding payment transaction initiated on the first interchange network, wherein a payment card used in the corresponding payment transaction has been identified by the requestor computing device as registered for at least one of the services hosted on the second interchange network;   transmitting, by the interface processor, the service request to the services platform;   generating, by the services platform, response data by applying the at least one registered service to the service request;   transmitting, by the services platform to the interface processor, the response data; and   transmitting, by the interface processor to the requestor computing device, a services response including the response data, wherein the previously transmitted second data element layout enables the requestor computing device to extract the response data from the services response.   
     
     
         32 . The computer-implemented method according to  claim 31 , wherein the first data element layout comprises elements of an 0100 authorization request message. 
     
     
         33 . The computer-implemented method in accordance with  claim 31 , wherein applying the at least one registered service to the service request comprises applying at least one of a virtual card mapping service, a transaction rules and limits service, and an alert notifications service to the payment transaction corresponding to the request data. 
     
     
         34 . The computer-implemented method in accordance with  claim 31 , wherein transmitting the services response comprises transmitting an instruction that an issuer bank associated with the requestor computing device decline the corresponding payment transaction based upon a result of the applying the at least one registered service to the payment transaction. 
     
     
         35 . The computer-implemented method in accordance with  claim 31 , wherein applying the at least one registered service to the service request comprises:
 retrieving, by the services platform using the request data, an account identifier associated with the payment card used in the corresponding payment transaction;   confirming, by the services platform, that the retrieved account identifier is included in a plurality of registered account identifiers stored within a memory device coupled to the services platform; and   retrieving, by the services platform from the memory device, the at least one registered service associated with the payment card.   
     
     
         36 . The computer-implemented method in accordance with  claim 35 , further comprising receiving, by the services platform prior to receipt of the service request, a registration profile associated with the corresponding payment card, the registration profile including the account identifier. 
     
     
         37 . The computer-implemented method in accordance with  claim 31 , further comprising:
 receiving, by the services platform, a second service request from a second requestor computing device via the second interchange network, wherein the second service request includes second request data associated with a corresponding second payment transaction initiated on the second interchange network;   generating, by the services platform on the second interchange network, second response data responsive to the second service request; and   transmitting, by the services platform to the second requestor computing device via the second interchange network, the response data.   
     
     
         38 . A system for applying services hosted on a second interchange network to a payment transaction initiated over a first interchange network, wherein the first interchange network utilizes a first message format including a first set of proprietary communications standards for the exchange of financial transaction data and the settlement of funds between financial institutions that are members of the first interchange network, and the second interchange network utilizes a second message format including a second set of proprietary communications standards for the exchange of financial transaction data and the settlement of funds between financial institutions that are members of the second interchange network, said system comprising:
 a first processor associated with the second interchange network, said first processor configured to transmit, to a requestor computing device, (i) a first data element layout usable to map service requests associated with payment transactions received by the requestor computing device over the first interchange network into the second message format, and (ii) a second data element layout for service responses generated by a services platform hosted on the second interchange network;   an interface processor associated with the second interchange network, said interface processor configured to:
 receive a service request from the requestor computing device, wherein the service request is compliant with the second message format and includes request data associated with a corresponding payment transaction initiated on the first interchange network, wherein a payment card used in the corresponding payment transaction has been identified by the requestor computing device as registered for at least one of the services hosted on the second interchange network; 
 transmit the service request to the services platform; and 
 transmit, to the requestor computing device, a services response including response data, wherein the previously transmitted second data element layout enables the requestor computing device to extract the response data from the services response; and 
   the services platform hosted on the second interchange network, said services platform configured to:
 generate the response data by applying the at least one registered service to the service request; and 
 transmit, to the interface processor, the response data. 
   
     
     
         39 . The system according to  claim 38 , wherein the first data element layout comprises elements of an 0100 authorization request message. 
     
     
         40 . The system according to  claim 38 , wherein the services platform is further configured to apply the at least one registered service to the service request by applying at least one of a virtual card mapping service, a transaction rules and limits service, and an alert notifications service to the payment transaction corresponding to the request data. 
     
     
         41 . The system according to  claim 38 , wherein the interface processor is further configured to transmit the services response including an instruction that an issuer bank associated with the requestor computing device decline the corresponding payment transaction based upon a result of the applying the at least one registered service to the payment transaction. 
     
     
         42 . The system according to  claim 38 , wherein the services platform is further configured to apply the at least one registered service to the service request by:
 retrieving, using the request data, an account identifier associated with the payment card used in the corresponding payment transaction;   confirming that the retrieved account identifier is included in a plurality of registered account identifiers stored within a memory device coupled to the services platform; and   retrieving, from the memory device, the at least one registered service associated with the payment card.   
     
     
         43 . The system according to  claim 42 , wherein the services platform is further configured to receive, prior to receipt of the service request, a registration profile associated with the corresponding payment card, the registration profile including the account identifier. 
     
     
         44 . The system according to  claim 38 , wherein the services platform is further configured to:
 receive a second service request from a second requestor computing device via the second interchange network, wherein the second service request includes second request data associated with a corresponding second payment transaction initiated on the second interchange network;   generate second response data responsive to the second service request; and   transmit, to the second requestor computing device via the second interchange network, the response data.   
     
     
         45 . At least one non-transitory computer-readable storage media for applying services hosted on a second interchange network to a payment transaction initiated over a first interchange network, wherein the first interchange network utilizes a first message format including a first set of proprietary communications standards for the exchange of financial transaction data and the settlement of funds between financial institutions that are members of the first interchange network, and the second interchange network utilizes a second message format including a second set of proprietary communications standards for the exchange of financial transaction data and the settlement of funds between financial institutions that are members of the second interchange network, said at least one non-transitory computer readable storage media having embodied thereon (i) a first set of computer-executable instructions for execution by a first processor associated with the second interchange network, (ii) a second set of computer-executable instructions for execution by an interface processor associated with the second interchange network, and (iii) a third set of computer-executable instructions for execution by a services platform hosted on the second interchange network, wherein:
 the first set of computer-executable instructions, when executed by the first processor, cause the first processor to transmit, to a requestor computing device, (i) a first data element layout usable to map service requests associated with payment transactions received by the requestor computing device over the first interchange network into the second message format, and (ii) a second data element layout for service responses generated by a services platform;   the second set of computer-executable instructions, when executed by the interface processor, cause the interface processor to:
 receive a service request from the requestor computing device, wherein the service request is compliant with the second message format and includes request data associated with a corresponding payment transaction initiated on the first interchange network, wherein a payment card used in the corresponding payment transaction has been identified by the requestor computing device as registered for at least one of the services hosted on the second interchange network; 
 transmit the service request to the services platform; and 
 transmit, to the requestor computing device, a services response including response data, wherein the previously transmitted second data element layout enables the requestor computing device to extract the response data from the services response; and 
   the third set of computer-executable instructions, when executed by services platform, cause the services platform to:
 generate the response data by applying the at least one registered service to the service request; and 
 transmit, to the interface processor, the response data. 
   
     
     
         46 . The at least one non-transitory computer-readable storage media according to  claim 45 , wherein the first data element layout comprises elements of an 0100 authorization request message. 
     
     
         47 . The at least one non-transitory computer-readable storage media according to  claim 45 , wherein the third set of computer-executable instructions is further configured to cause the services platform to apply the at least one registered service to the service request by applying at least one of a virtual card mapping service, a transaction rules and limits service, and an alert notifications service to the payment transaction corresponding to the request data. 
     
     
         48 . The at least one non-transitory computer-readable storage media according to  claim 45 , wherein the second set of computer-executable instructions is further configured to cause the interface processor to transmit the services response including an instruction that an issuer bank associated with the requestor computing device decline the corresponding payment transaction based upon a result of the applying the at least one registered service to the payment transaction. 
     
     
         49 . The at least one non-transitory computer-readable storage media according to  claim 45 , wherein the third set of computer-executable instructions is further configured to cause the services platform to apply the at least one registered service to the service request by:
 retrieving, using the request data, an account identifier associated with the payment card used in the corresponding payment transaction;   confirming that the retrieved account identifier is included in a plurality of registered account identifiers stored within a memory device coupled to the services platform; and   retrieving, from the memory device, the at least one registered service associated with the payment card.   
     
     
         50 . The at least one non-transitory computer-readable storage media according to  claim 45 , wherein the third set of computer-executable instructions is further configured to cause the services platform to:
 receive a second service request from a second requestor computing device via the second interchange network, wherein the second service request includes second request data associated with a corresponding second payment transaction initiated on the second interchange network;   generate second response data responsive to the second service request; and   transmit, to the second requestor computing device via the second interchange network, the response data.