The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 21, 2021
Filed:
Feb. 18, 2016
Mastercard International Incorporated, Purchase, NY (US);
Dana J. Lorberg, Creve Coeur, MO (US);
Sandeep Malhotra, Stamford, CT (US);
MASTERCARD INTERNATIONAL INCORPORATED, Purchase, NY (US);
Abstract
A message routing and pre-processing (MRP) computing device is described herein. The MRP computing device is configured to receive an authorization request message associated with a transaction initiated by a cardholder with a merchant, the authorization request message including authorization parameters of the transaction, and retrieve a plurality of potential authorization routes for the authorization request message. Each potential authorization route includes routing parameters and is associated with a respective transaction processing network (TPN). The MRP computing device is also configured to compare the authorization parameters to the routing parameters of each potential authorization route to determine an optimized authorization route for the authorization request message. The optimized authorization route includes routing parameters that most closely match the authorization parameters. The optimized authorization route is associated with a first TPN. The MRP computing device is further configured to route the authorization request message to the first TPN for authorization processing.