Financial transaction processing system and method
US006302326B1
(12)
United States Patent
US 6,302,326 B1
(10) Patent N0.: (45) Date of Patent:
Symonds et al.
Oct. 16, 2001
(54)
FINANCIAL TRANSACTION PROCESSING SYSTEM AND METHOD
5,239,662 5,258,604
5,339,421
8/1994 Housel, 111.
(75)
Inventors: Robert D_ symonds, Novelty, OH
5,384,766 *
1/1995 Yamato et al. .................... .. 370/244
(Us), Irek Singer Mississauga (CA),
8/1993 Danielson et al. . 11/1993 Behrens et al. .
5,561,770 * 10/1996 De Eruijn et al. ................ .. 709/225
Peter St. George, WilloWdale (CA);
git/$165321‘
Robert Bradley Gill, Hamilton (CA)
5,715,397
(73)
Assignee: Diebold, Incorporated, North Canton, OH (US)
(*)
Notice:
2/1998 ogawa et aL _
5,826,017
10/1998 H 1
.
0 Zmann FOREIGN PATENT DOCUMENTS
Subject to any disclaimer, the term of this
Z:
gusenct lisi’églgi‘i) ‘agglusted under 35
.
63-95564 * 4/1988 (JP) . * cited by examiner
(21) (22)
Appl' N05 09/483,104
Primary Examiner—Michael G. Lee
Filed,
Assistant Examiner—Jared J. Fureman
Jam 14, 2000
(74) Attorney, Agent, or Firm—Ralph E. Jocke; Christopher Related US. Application Data
L~ Pafmelee; Walker & JOCke
(62) Division of application No. 08/813,510, ?led on Mar. 7, flowlpat' FO'f6’O3I3’24gO/O19 544 ?l d J 10 (60) 117997.’ 1996, provisigryfal application No. 60/021,871, ?led on Jul. IOVISIOIla
(51) (52) (58)
a
1C8. 10H
0.
7
7
e
0T1
11H.
(57)
A ?nancial transaction processing system (10) enables pro cesslllg trans_acnons from Vanous types of_card act_lvated
7
~
17, 1996, and provisional application No. 60/025,266, ?led on Sep. 17, 1996. 7 ' """"""""""""""" "
~
tem includes among its softWare components message gate
’
’
_
mation stored in the relational database to convert messages
from a Variety of external message formats used
705/21’ 709/230’ 231’ 232’ 233’ 234’ 235’ 246’ 247 R f
~
Way routers (MGRs) (24, 164) Which operate using infor
Fleld Of Search‘ ................................... ..
(56)
~
termlnal devlces (12) Whlch Communlcate uslng a Vanety of electronic message formats. The transaction processing sys
""""""""""""""" _' '
ABSTRACT
the
external devices and authorization systems, to a common internal message format used Within the system. The system
Ct d
further uses database information to internally route mes
e erences l e US PATENT DOCUMENTS
sages to message processing programs (MPPs) (108, 138) Which process messages and generate messages to the
_
external devices and authorization systems. The MGR also
5/ ' d 1 4’654’654 * 32987 Bid; Lina; et a ' '
converts the outgoing messages from the internal message format to the external message formats Which can be inter
340/825 5
4’694’397 4:727j243
9/1987 Grant et al' """""""""" " 2/1988 Savar _
4,855,905
8/1989 Estrada et al. .
5,119,465
6/1992 Jack et al. .
'
preted by the external devices and systems to Which the messages are directed.
2 Claims, 29 Drawing Sheets
(26 20f
MPP A
i
MPP B
I nuzurs
SENDER
LISTENER
SENDER
LISTENER
NETWORK
TOP/IF
J24 MGR
44,10 R
25
[ OLIELIES DRIVER NETWORK CONNECTION
I OUEUES
22]
DRIVER
NETWORK CONNECTION
18
1
U.S. Patent
061. 16, 2001
Sheet 1 6f 29
US 6,302,326 B1
(~26 28f
MPP A
MPP B
QUEUES
SENDER
LISTENER
I
[ NETWORK CONNECTION TCP/IP
LISTENER
SENDER
SENDER
LISTENER
I
l
LISTENER
SENDER
10
j 24 MGR
J 25j
MGR
QUEUES
DRIVER NETWORK CONNECTION
QUEUES
22] DRIVER NETWORK CONNECTION
VISA
00/
U.S. Patent
0a. 16, 2001
Sheet 3 6f 29
US 6,302,326 B1
Standard Message Envelope (SME) Format.
=F=== .1
Header Sid
Header Layout Version
2
Source Node Sid
3
Message Receive System Time
4
internal Message Sid
The message originating node 6 system id. The System time in 17 YYYYMMDDHHMlSSmmm format. Unique System M of The 4 received message.
5
Service Sid
The Message Processing
1
4
Program (MPP) service system Id, which can process received message.
6
Target Node Sid
The message receiving node 6 system Id
7
Data Format indicator (Source)
Message data format type
1
0 - External Data Source 1 - internal Data Source
8
9
Message Direction
The direction of message
Processing Time
routing. Elapsed message processing 5
1
time in milliseconds.
l0
Processing Node Sid
11
Target Line Node Sid
12
Message Text
The last processing node 6 system Id Line driver node system id. 6 Assigned when terminal is attached to line group. The Message text in lSO8583 Variable format
FIG. 3
U.S. Patent
061. 16, 2001
US 6,302,326 B1
Sheet 4 0f 29
TCP/IP Network 4.
166
Sender
Listener
Header ISO 8583 Msg Determine the IP
MGR A
/ Device Driver A
/
Address and send it
Header Raw Message 3. Parse the Message, Transform
f70
into ISO 8583
Raw Message 2.
The PDS Terminal
Attachment to Device
1. Origin of message
FIG. 4
U.S. Patent
061. 16, 2001
US 6,302,326 B1
Sheet 5 0f 29
1. The Listener buffers the data, then places the data onto the input queue of the MPP . The MPP performs various
functions based upon the
requirements of the message. - Builds an internal array.
- Parses composite fields
into sub?eids of the array.
10 2.
- May perform authorization. - Determines who to send the
message to. Maybe an MPP
MPP A
or MGR - Builds a new message.
110
11 Listener
ri
122
\
4' 5.
\
Sender
. Sends a copy of the data to
the database for archive. . Sends the message to the
authorization host. . The Sender determines the
i i
IP address and sends the message.
32
-
FIG. 5
U.S. Patent
061. 16, 2001
US 6,302,326 B1
Sheet 6 0f 29
. The Listener buffers the data,
then places the data onto the input queue of the MPP. . The MPP performs various
functions based upon the requirements of the message. - Builds an internal array. - Builds any subtieids
required by the
138W
authorization channel. . Sends the message to an
MPP 0r MGR.
MPP B
. The Sender determines the
3.
13611
\
Listener
IP address and sends the message.
4. f140
\
Sender
\
rcP/iiti i /
32
-
FIG. 6
U.S. Patent
0a. 16, 2001
Sheet 7 6f 29
US 6,302,326 B1
TCP/IP Network 1552f
Sender
Listener
iso 8583 Msg Header \
/ 2. f 164
MGR
Raw Message Header \ 3. i. The listener butters
2. the The message MGR parses the
Driver
Raw Message
\f
message from ISO 8583
'
to the required format of
the device/service.
\"3A or other
14M
3. The Device Driver removes the header and sends the message to the authorizor.
4. The Authorizor returns either an authorization or a denial tor the transaction.
4
I
7
Authorizor
U.S. Patent
061. 16, 2001
Sheet 8 6f 29
US 6,302,326 B1
TCP/IP Network 4'
Sender
Listener
Header ISO 8583 Msg \
/
Header Haw Message 4. The Sender determines the
IP address and sends the
\ 2,
Driver
f 144
message.
Raw Message 3. The MGR parses the
message from RAW format '[0 the ISO 8583
message format.
1'
1116f
2. The device driver add a header and fills some
fields after getting the information directly from
the network or host. 1. The Authorizor (VISA or other host) returns the message. This represents the actual host/network.
G
8
VISA, or other Au h riz
i 0 01'
U.S. Patent
061. 16, 2001
Sheet 10 6f 29
US 6,302,326 B1
TCP/IP Network
15¢\1 Listener
Sender
2 \
/ Header rso 8583 Msg MGR
3_
f 81
/ Header Raw Message Device Driver
4_
x96
/
f 70
Raw Message
The POS Terminal f 68
1. The Listenerbutfers the information. The MGR parses the ISO 8583 message into a message format that can be used by the device.
FIG. 10
The Device driver sends the message to the device. The POS terminal returns a
message confirming the authorization message. The message is then returned to the MPP in the same manner as before.
U.S. Patent
061. 16, 2001
Sheet 12 6f 29
US 6,302,326 B1
235m NF.wE
g3mw5 gm? 5m@9382 an
82=m5s;:
mwtou?gz 2382
5E:358$:
U.S. Patent
061. 16, 2001
Sheet 14 6f 29
US 6,302,326 B1
Em a: 2382 2:2mmDES
2:.
52E, 5 malts
9 3 5 % m ),
5263 A5l-3:2.
2G55m5:8 tQ8w:8E E U 6:$325635 .=825-82m ?ing 9: ,6 QE: 2% @ 2 6C 5 2 5 “ 65m5t285%i 5222:0%
3.wE
U.S. Patent
061. 16, 2001
Sheet 15 6f 29
53m 6,
US 6,302,326 B1
2:3E.5$83 .
E21,:
."VELS"Z:
_“$52-6:
33L
A02m5wa<mw3aE:
M.ESIFEQZ eml?sm emwas.
.wEm_.
warp mnozw ew4lm|acz Eism a: ewlmaoz
U.S. Patent
061. 16, 2001
Sheet 16 6f 29
US 6,302,326 B1
Input Message Queue
r
1 08
———>
MPP
HEADER ISO 8583 Message
110
FIG. 16
U.S. Patent
0a. 16, 2001
Sheet 17 0f 29
US 6,302,326 B1
m 2. w
v2. 28..:620“2
5 4m:
m 55
cm.>22
2S:u2z»i
E..wE
U.S. Patent
061. 16, 2001
Sheet 18 6f 29
Header MPP__S|D
US 6,302,326 B1
ISO MSG TXN TYPE
118/] STATE_F LOW_T
_
MPP_NODE_S|D MSG_TYPE
64'
STATE_NUM FUNCT|0N_S|D PARM_SID NEXT__STATE_FALSE NEXT STATE TRUE I
/\ 1 19 STATE_FUNBTION_T FUNCT|0N_SID FUNCT|0N_CLASS_S|D I
[
A117 STATE_CLASS FUNCTION_CLASS_SID PARM__TABLE_NAME I
I
STATE_PARM_### PARM_SID
MSG_STRUC_SID F|ELD_NUM
FIG. 18
U.S. Patent
061. 16, 2001
Sheet 19 6f 29
US 6,302,326 B1
MPP Header
ISO 8583
Transaction Database Table
C) 32
FIG. 19
(12)
United States Patent
US 6,302,326 B1
(10) Patent N0.: (45) Date of Patent:
Symonds et al.
Oct. 16, 2001
(54)
FINANCIAL TRANSACTION PROCESSING SYSTEM AND METHOD
5,239,662 5,258,604
5,339,421
8/1994 Housel, 111.
(75)
Inventors: Robert D_ symonds, Novelty, OH
5,384,766 *
1/1995 Yamato et al. .................... .. 370/244
(Us), Irek Singer Mississauga (CA),
8/1993 Danielson et al. . 11/1993 Behrens et al. .
5,561,770 * 10/1996 De Eruijn et al. ................ .. 709/225
Peter St. George, WilloWdale (CA);
git/$165321‘
Robert Bradley Gill, Hamilton (CA)
5,715,397
(73)
Assignee: Diebold, Incorporated, North Canton, OH (US)
(*)
Notice:
2/1998 ogawa et aL _
5,826,017
10/1998 H 1
.
0 Zmann FOREIGN PATENT DOCUMENTS
Subject to any disclaimer, the term of this
Z:
gusenct lisi’églgi‘i) ‘agglusted under 35
.
63-95564 * 4/1988 (JP) . * cited by examiner
(21) (22)
Appl' N05 09/483,104
Primary Examiner—Michael G. Lee
Filed,
Assistant Examiner—Jared J. Fureman
Jam 14, 2000
(74) Attorney, Agent, or Firm—Ralph E. Jocke; Christopher Related US. Application Data
L~ Pafmelee; Walker & JOCke
(62) Division of application No. 08/813,510, ?led on Mar. 7, flowlpat' FO'f6’O3I3’24gO/O19 544 ?l d J 10 (60) 117997.’ 1996, provisigryfal application No. 60/021,871, ?led on Jul. IOVISIOIla
(51) (52) (58)
a
1C8. 10H
0.
7
7
e
0T1
11H.
(57)
A ?nancial transaction processing system (10) enables pro cesslllg trans_acnons from Vanous types of_card act_lvated
7
~
17, 1996, and provisional application No. 60/025,266, ?led on Sep. 17, 1996. 7 ' """"""""""""""" "
~
tem includes among its softWare components message gate
’
’
_
mation stored in the relational database to convert messages
from a Variety of external message formats used
705/21’ 709/230’ 231’ 232’ 233’ 234’ 235’ 246’ 247 R f
~
Way routers (MGRs) (24, 164) Which operate using infor
Fleld Of Search‘ ................................... ..
(56)
~
termlnal devlces (12) Whlch Communlcate uslng a Vanety of electronic message formats. The transaction processing sys
""""""""""""""" _' '
ABSTRACT
the
external devices and authorization systems, to a common internal message format used Within the system. The system
Ct d
further uses database information to internally route mes
e erences l e US PATENT DOCUMENTS
sages to message processing programs (MPPs) (108, 138) Which process messages and generate messages to the
_
external devices and authorization systems. The MGR also
5/ ' d 1 4’654’654 * 32987 Bid; Lina; et a ' '
converts the outgoing messages from the internal message format to the external message formats Which can be inter
340/825 5
4’694’397 4:727j243
9/1987 Grant et al' """""""""" " 2/1988 Savar _
4,855,905
8/1989 Estrada et al. .
5,119,465
6/1992 Jack et al. .
'
preted by the external devices and systems to Which the messages are directed.
2 Claims, 29 Drawing Sheets
(26 20f
MPP A
i
MPP B
I nuzurs
SENDER
LISTENER
SENDER
LISTENER
NETWORK
TOP/IF
J24 MGR
44,10 R
25
[ OLIELIES DRIVER NETWORK CONNECTION
I OUEUES
22]
DRIVER
NETWORK CONNECTION
18
1
U.S. Patent
061. 16, 2001
Sheet 1 6f 29
US 6,302,326 B1
(~26 28f
MPP A
MPP B
QUEUES
SENDER
LISTENER
I
[ NETWORK CONNECTION TCP/IP
LISTENER
SENDER
SENDER
LISTENER
I
l
LISTENER
SENDER
10
j 24 MGR
J 25j
MGR
QUEUES
DRIVER NETWORK CONNECTION
QUEUES
22] DRIVER NETWORK CONNECTION
VISA
00/
U.S. Patent
0a. 16, 2001
Sheet 3 6f 29
US 6,302,326 B1
Standard Message Envelope (SME) Format.
=F=== .1
Header Sid
Header Layout Version
2
Source Node Sid
3
Message Receive System Time
4
internal Message Sid
The message originating node 6 system id. The System time in 17 YYYYMMDDHHMlSSmmm format. Unique System M of The 4 received message.
5
Service Sid
The Message Processing
1
4
Program (MPP) service system Id, which can process received message.
6
Target Node Sid
The message receiving node 6 system Id
7
Data Format indicator (Source)
Message data format type
1
0 - External Data Source 1 - internal Data Source
8
9
Message Direction
The direction of message
Processing Time
routing. Elapsed message processing 5
1
time in milliseconds.
l0
Processing Node Sid
11
Target Line Node Sid
12
Message Text
The last processing node 6 system Id Line driver node system id. 6 Assigned when terminal is attached to line group. The Message text in lSO8583 Variable format
FIG. 3
U.S. Patent
061. 16, 2001
US 6,302,326 B1
Sheet 4 0f 29
TCP/IP Network 4.
166
Sender
Listener
Header ISO 8583 Msg Determine the IP
MGR A
/ Device Driver A
/
Address and send it
Header Raw Message 3. Parse the Message, Transform
f70
into ISO 8583
Raw Message 2.
The PDS Terminal
Attachment to Device
1. Origin of message
FIG. 4
U.S. Patent
061. 16, 2001
US 6,302,326 B1
Sheet 5 0f 29
1. The Listener buffers the data, then places the data onto the input queue of the MPP . The MPP performs various
functions based upon the
requirements of the message. - Builds an internal array.
- Parses composite fields
into sub?eids of the array.
10 2.
- May perform authorization. - Determines who to send the
message to. Maybe an MPP
MPP A
or MGR - Builds a new message.
110
11 Listener
ri
122
\
4' 5.
\
Sender
. Sends a copy of the data to
the database for archive. . Sends the message to the
authorization host. . The Sender determines the
i i
IP address and sends the message.
32
-
FIG. 5
U.S. Patent
061. 16, 2001
US 6,302,326 B1
Sheet 6 0f 29
. The Listener buffers the data,
then places the data onto the input queue of the MPP. . The MPP performs various
functions based upon the requirements of the message. - Builds an internal array. - Builds any subtieids
required by the
138W
authorization channel. . Sends the message to an
MPP 0r MGR.
MPP B
. The Sender determines the
3.
13611
\
Listener
IP address and sends the message.
4. f140
\
Sender
\
rcP/iiti i /
32
-
FIG. 6
U.S. Patent
0a. 16, 2001
Sheet 7 6f 29
US 6,302,326 B1
TCP/IP Network 1552f
Sender
Listener
iso 8583 Msg Header \
/ 2. f 164
MGR
Raw Message Header \ 3. i. The listener butters
2. the The message MGR parses the
Driver
Raw Message
\f
message from ISO 8583
'
to the required format of
the device/service.
\"3A or other
14M
3. The Device Driver removes the header and sends the message to the authorizor.
4. The Authorizor returns either an authorization or a denial tor the transaction.
4
I
7
Authorizor
U.S. Patent
061. 16, 2001
Sheet 8 6f 29
US 6,302,326 B1
TCP/IP Network 4'
Sender
Listener
Header ISO 8583 Msg \
/
Header Haw Message 4. The Sender determines the
IP address and sends the
\ 2,
Driver
f 144
message.
Raw Message 3. The MGR parses the
message from RAW format '[0 the ISO 8583
message format.
1'
1116f
2. The device driver add a header and fills some
fields after getting the information directly from
the network or host. 1. The Authorizor (VISA or other host) returns the message. This represents the actual host/network.
G
8
VISA, or other Au h riz
i 0 01'
U.S. Patent
061. 16, 2001
Sheet 10 6f 29
US 6,302,326 B1
TCP/IP Network
15¢\1 Listener
Sender
2 \
/ Header rso 8583 Msg MGR
3_
f 81
/ Header Raw Message Device Driver
4_
x96
/
f 70
Raw Message
The POS Terminal f 68
1. The Listenerbutfers the information. The MGR parses the ISO 8583 message into a message format that can be used by the device.
FIG. 10
The Device driver sends the message to the device. The POS terminal returns a
message confirming the authorization message. The message is then returned to the MPP in the same manner as before.
U.S. Patent
061. 16, 2001
Sheet 12 6f 29
US 6,302,326 B1
235m NF.wE
g3mw5 gm? 5m@9382 an
82=m5s;:
mwtou?gz 2382
5E:358$:
U.S. Patent
061. 16, 2001
Sheet 14 6f 29
US 6,302,326 B1
Em a: 2382 2:2mmDES
2:.
52E, 5 malts
9 3 5 % m ),
5263 A5l-3:2.
2G55m5:8 tQ8w:8E E U 6:$325635 .=825-82m ?ing 9: ,6 QE: 2% @ 2 6C 5 2 5 “ 65m5t285%i 5222:0%
3.wE
U.S. Patent
061. 16, 2001
Sheet 15 6f 29
53m 6,
US 6,302,326 B1
2:3E.5$83 .
E21,:
."VELS"Z:
_“$52-6:
33L
A02m5wa<mw3aE:
M.ESIFEQZ eml?sm emwas.
.wEm_.
warp mnozw ew4lm|acz Eism a: ewlmaoz
U.S. Patent
061. 16, 2001
Sheet 16 6f 29
US 6,302,326 B1
Input Message Queue
r
1 08
———>
MPP
HEADER ISO 8583 Message
110
FIG. 16
U.S. Patent
0a. 16, 2001
Sheet 17 0f 29
US 6,302,326 B1
m 2. w
v2. 28..:620“2
5 4m:
m 55
cm.>22
2S:u2z»i
E..wE
U.S. Patent
061. 16, 2001
Sheet 18 6f 29
Header MPP__S|D
US 6,302,326 B1
ISO MSG TXN TYPE
118/] STATE_F LOW_T
_
MPP_NODE_S|D MSG_TYPE
64'
STATE_NUM FUNCT|0N_S|D PARM_SID NEXT__STATE_FALSE NEXT STATE TRUE I
/\ 1 19 STATE_FUNBTION_T FUNCT|0N_SID FUNCT|0N_CLASS_S|D I
[
A117 STATE_CLASS FUNCTION_CLASS_SID PARM__TABLE_NAME I
I
STATE_PARM_### PARM_SID
MSG_STRUC_SID F|ELD_NUM
FIG. 18
U.S. Patent
061. 16, 2001
Sheet 19 6f 29
US 6,302,326 B1
MPP Header
ISO 8583
Transaction Database Table
C) 32
FIG. 19
