CPC G06Q 20/202 (2013.01) [G06Q 20/027 (2013.01); G06Q 20/40 (2013.01)] | 17 Claims |
1. A computer-implemented method, comprising:
receiving, with at least one processor of a payment gateway and from a merchant system, at least one transaction request comprising transaction data, the at least one transaction request configured in an initial configuration associated with a dual-message transaction;
determining, with the at least one processor of the payment gateway, based at least partly on the transaction data, a recommended configuration associated with a single-message transaction, the recommended configuration different from the initial configuration and based on at least one of the following elements of the transaction data: payment device presence, goods or services description, transaction amount, or any combination thereof;
augmenting, with the at least one processor of the payment gateway, the at least one transaction request to include metadata of (i) the initial configuration associated with a dual-message transaction and (ii) the recommended configuration associated with a single-message transaction;
reconfiguring, with the at least one processor of the payment gateway, the at least one transaction request based on the recommended configuration; and
generating, with the at least one processor of the payment gateway, a communication to a transaction processing system configured to cause the transaction processing system to process the at least one transaction request as a single-message transaction based on the recommended configuration.
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