US 12,125,012 B2
Method, system, and computer program product for translating messages
Naman Bansal, Bellevue, WA (US); and Pankaj Taneja, Lynnwood, WA (US)
Assigned to Visa International Service Association, San Francisco, CA (US)
Filed by Visa International Service Association, San Francisco, CA (US)
Filed on Nov. 21, 2022, as Appl. No. 17/991,516.
Application 17/991,516 is a continuation of application No. 16/778,533, filed on Jan. 31, 2020, granted, now 11,544,689.
Prior Publication US 2023/0088119 A1, Mar. 23, 2023
Int. Cl. G06Q 30/00 (2023.01); G06Q 20/02 (2012.01); G06Q 20/20 (2012.01); G06Q 40/02 (2023.01); H04L 69/325 (2022.01)
CPC G06Q 20/202 (2013.01) [G06Q 20/027 (2013.01); G06Q 20/204 (2013.01); G06Q 40/02 (2013.01); H04L 69/325 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A computer-implemented method, comprising:
engaging, with a first transaction terminal, a first payment device type module of the first transaction terminal corresponding to a payment device type associated with a first payment device used to initiate a first transaction, the first payment device type module enabling the reading of first payment data associated with the first transaction from the first payment device, wherein the payment device type comprises at least one of a magnetic stripe payment device, a chip payment device, or a contactless payment device, wherein the first transaction terminal comprises a point-of-sale (POS) device comprising at least one of a chip payment device reader, a magnetic stripe payment device reader, a contactless payment device reader, or any combination thereof;
reading, with the first payment type module of the first transaction terminal, the first payment data from the first payment device by co-action between the first transaction terminal and the first payment device at a merchant point-of-sale;
generating, with the first transaction terminal, a first message by converting the read first payment data according to a first message protocol with a provider layer comprising a provider kernel containing the first message protocol, the first message protocol specifying at least one of a first message format or arrangement of the first payment data;
translating, with the first transaction terminal, the first message from the first message protocol to a standard message protocol with an adapter layer to form a first transaction message including the first payment data associated with the first transaction, the adapter layer comprising a mapping from at least one of a plurality of message protocols to the standard message protocol specified by a transaction processing system, wherein the at least one of the plurality of message protocols comprises the first message protocol, and wherein the standard message protocol specifies at least one of a standard message format or arrangement of the first payment data; and
communicating, with the first transaction terminal, the first transaction message to the transaction processing system to cause an electronic payment processing network to process the first transaction.