Abstract:
A method for the routing of messages coming from capture points directly, or indirectly, connected to the Tecban network, and authorized by the Financing Institutions, which are also connected to the Tecban network, remarkably conceived to consolidate the ATM network of Tecban, as well as the proprietary networks of the Financing institutions administered by Tecban, through a number of encoded instructions, contained in a software used in computer networks to exchange messages among the several elements involved.

Description:
TECHNICAL FIELD OF THE INVENTION 
       [0001]    The present descriptive report relates to a patent request of a method for processing and routing financial transactions from captures points and authorized by Financial Institutions, mainly conceived to consolidate the self service Tecban network, as well as networks owners of Financial Institutions managed by Tecban, through a set of coded instructions, present in a software used in computer networks for message exchanges among the several involved elements. 
       BRIEF DISCUSSION OF RELATED ART 
       [0002]    As it is known by the professionals of the bank technology field, the technological challenges posed by the degree of innovation of the services are permanent. 
         [0003]    Tecban first challenge in the beginning of its operation was to build a totally local application able to control actions at the terminal, such as card insertion, money counting, receipt printing, local transaction registration for posterior collection and effectivation, etc. 
         [0004]    At that time it was easy to keep the Rede Banco24horas [24-Hours Bank] Network ATMs operational, since they were in a very small number. However, as the network size increased, a huge backup infrastructure was developed, so as to ensure safety and availability of its points. 
         [0005]    This infrastructure gradually evolved, until it incorporated a software component called authorizer which, in is childhood, was responsible by the authorization of every transaction performed at the network terminals of the Banco24Horas network. Since its incorporation, this same component is evolving as new business demands appear The on line authorization with the Financial Institutions, the routing logic creation and prevalidations of the received messages are some examples of evolutions made necessary in the past. 
         [0006]    With the diversity of institutions that started using the Banco24Horas network terminals and with the creation of new products and services, the complexity and the critical position of the authorizer steadily grew over the time. Although it was segmented from the creation of new products that were related to electronic funds transference, the complexity of this new strand presented a behavior similar to what was observed in the first case. 
         [0007]    Motivated by the need to modernize this component, it was initiated a study of solutions that may be able to replaces, allowing more celerity in the evolutions demanded by the Company affairs. This project motivated a reconceptualization of the business rules currently implemented in the authorizer, searching to follow the Company strategic orientation: to act more at the routing and less at the transaction authorization. The possibility of engagement of Tecban in outsourcings of other networks ignited the immediate onset of this restoration. 
         [0008]    Due to its being a relatively old solution, created by using programming languages and building techniques that were more widespread by the time of its conception, the authorizer has some limitation, for instance, high service agroupation, low horizontal organization to handle the expected transactional volume increase, difficulty in integration with other market solutions, and the communication protocol dependence. 
         [0009]    Therefore, the solution implemented until now directly affects the development teams responsible by the font code maintenance; the confirmation teams, that perform validations on the alterations made. the backup teams that need new information on the performed transactions or on consultations in a periodicity different from the usual; the production team that cannot have self-sufficiency in meeting the considerable transactional volume increase; the Company clients that rely on the requested evolution delivery to offer their services. 
         [0010]    Besides that, since it is a monolithic code, in most of the cases the parallelization of the development activities is impaired. The justification of this claim is that different development branches must eventually converge, and it will demand a great amount of work to perform the fusion of these two branches. 
         [0011]    Another aspect of primordial importance is that most of the source code modifications—regardless of their magnitude—demand the performance of complete regressive testes, which attest the correct performance of what was already performing well before. The great complexity of the code is detrimental to its learning curve, that is, it takes a long time to capacitate new collaborators for maintenance. 
         [0012]    Therefore, it is not possible to increase the transaction volume, because the repository of the authorized data does no present characteristics that allow easy segmentation of its content in several distributed instances. Besides that, this repository does no allow integration with market tools as, for instance, ETL (Extract, transform, load) or BI (Business Intelligence). Integrations of this king demand complementary strategies and efforts. 
         [0013]    Besides that, the lack of flexibility in the treatment of messages exchanged with terminals and with the Financial Institutions (less configurable logic), a great effort of adaptation by the authorizer being also demanded, is the communication protocol is different from ISO 8583 
       BRIEF SUMMARY OF THE INVENTION 
       [0014]    Aiming to offer improvements to the consumer market, the inventor, after several researches, created and developed this “METHOD FOR PROCESSING AND ROUTING OF FINANCIAL TRANSACTIONS FROM CAPTURE POINTS AND AUTHORIZED BY FINANCIAL INSTITUTIONS, IMPLEMENTED THROUGH SOFTWARE”, which may stand in the market in a highlighted position, due to its ensuring fast integration between the extremes involved in transaction performances. 
         [0015]    The method mentioned was created in object oriented language and it is also built to perform, in a first instance, transactions between self-service terminals of the owner networks to which the Company provides outsourcing services and the Financial Institution that own this networks. 
         [0016]    This new software structure deals with input and output of standardized data regarding data layout, format and translation, all of them taking place inside the software algorithm. 
         [0017]    Therefore, the mechanism and tool mentioned are related to parts of the algorithm, or else, to smaller softwares that integrate the main software, being the data flow typical of software. Therefore, data validation and authentication configurations by the terminal users, besides cryptographic treatment, take place. 
         [0018]    There is still an interface, such as a graphic screen, that is generated by software codelines. 
         [0019]    The solution here requested, more precisely, the switch software, is the name given to the tool that allows routing the requests coming from any capture point connected directly of indirectly to the Company network to its due destination, and posteriorly, the destination of the answers to its terminals of origin, enabling the requested transactions performance. This tool is able to rapidly meet the demand for development for new transaction packs, as new institutions hand the care of part or of its entire self-service network to the Company. 
         [0020]    It may be viewed as a Framework for financial transaction development. With this concept, the solution becomes responsible by the linking of actions to be done when messages or requests reach it and needed to be directed to a specific destination. It allows, therefore, the configuration of the information set present in the transaction message request, which is relevant to determine its destiny (the entity responsible for the authorization). This mechanism also allows the setting of value combination that this information must have for the destination to be precisely inferred. The request information set is composed, initially, by a BIN (Bank Identification Number), a service (transaction), a network and a terminal (to enable service pilots). 
     
    
     
       BRIEF DESCRIPTION OF THE DRAWING 
         [0021]    To complement the present description to obtain a better comprehension of the characteristics of this invention and according to a practical preferable performance of the aforementioned invention, an attached design follows the description, in which, in an exemplified, although not imitative, manner, the following was portrayed. 
           [0022]      FIG. 1  shows an input/output switch graph. 
       
    
    
     DETAILED DESCRIPTION OF THE INVENTION 
       [0023]    Referring to the illustrated design, the present invention, “METHOD FOR PROCESSING AND ROUTING OF FINANCIAL TRANSACTIONS FROM CAPTURE POINTS AND AUTHORIZED BY FINANCIAL INSTITUTIONS, IMPLEMENTED THROUGH SOFTWARE”, must stand in the market in a highlighted position, due to its ensuring fast integration between the extremes involved in transaction performances. 
         [0024]    The method mentioned was created in object oriented language and it is also built to perform, in a first instance, transactions between self-service terminals of the owner networks to which the Company intends to provide outsourcing services and the Financial Institution that own this networks. 
         [0025]    This new software for switch structure deals with input and output of standardized data regarding data layout, format and translation, all of them taking place inside the software algorithm. Therefore, the mechanism and tool mentioned are related to parts of the algorithm, or else, to smaller softwares that integrate the main software, being the data flow typical of software. 
         [0026]    Therefore, data validation and authentication configurations by the terminal users, besides cryptographic treatment, take place. 
         [0027]    There is still an interface, probably a graphic screen, which is generated by software codelines. 
         [0028]    The switch solution here requested is the name given to the tool that allows routing the requests coming from any capture point connected directly of indirectly to the Company network to its due destination, and posteriorly, the destination of the answers to its terminals of origin, enabling the requested transactions performance. This tool is able to rapidly meet the demand for development for new transaction packs, as new institutions hand the care of part or of its entire self-service network to the Company. It may be viewed as a Framework for financial transaction development. 
         [0029]    With this concept, the solution becomes responsible by the linking of actions to be done when messages or requests reach it and needed to be directed to a specific destination. This sequence of steps will be further detailed at the end of this section, after other functionalities of the solution were presented. 
         [0030]    It allows, therefore, the configuration of the information set present in the transaction message request, which is relevant to determine its destiny (the entity responsible for the authorization). This mechanism also allows the setting of value combination that this information must have for the destination to be precisely inferred. The request information set is composed, initially, by a BIN (Bank Identification Number), a service (transaction), a network and a terminal (to enable service pilots). 
         [0031]    The following examples of configuration of the information set for determining the destination may be mentioned: a set 1: {BIN, Service, Network}; Set 2: {Service, Network, Terminal}; Set 3: {BIN, Service, Network, Terminal}, etc. Examples of value configuration using Set 3 are present in the following table: 
         [0000]    
       
         
               
               
               
               
               
             
           
               
                   
               
               
                 BIN 
                 Service 
                 Network 
                 Terminal 
                 Destination 
               
               
                   
               
             
             
               
                 9991 
                 Withdrawal 
                 — 
                 — 
                 X 
               
               
                 9991 
                 Withdrawal 
                 — 
                 010100 
                 W 
               
               
                 9991 
                 Withdrawal 
                 Monomono 
                 010104 
                 Y 
               
               
                 9992 
                 — 
                 Monomono 
                 — 
                 Z 
               
               
                   
               
             
          
         
       
     
         [0032]    By the table it is possible to comprehend that such a configuration enables the definition of more restrict of more generic destinations, depending on the information that take a fixed value. To say “an information does not take a fixed value” means every possible value for this information must be considered. 
         [0033]    When we try to define a destination through the consultation to this configuration, the more generic destination must be regarded first, and then the more generic According to the first line of the above table we may conclude that the Withdrawal requests for BIN 9991 must always be directed do X destination. However, this statement will not be true if the request originated in the terminal 0010100 (in this case she must be forwarded to destination W). 
         [0034]    Before further detailing the treatments that will be explored in the input and output treatments, it is necessary first to understand what mean switch input and output. 
         [0035]    Switch input means a message or request that reaches it, from ATM (Automated Teller Machine) terminals, POS (Point of Sale) or Financial Institutions. Transactions requests, responses or confirmations may also be, inputs, if they are reaching the switch. 
         [0036]    Switch output means a message or request that comes from the switch, be it to a terminal, to a Financial Institution, to the transactions repository of to other backup systems. Transactions requests, responses or confirmations may also be outputs, if they are coming from the switch. 
         [0037]    Each input will have a format and a layout that must be known for this input to be considered valid and for the switch to be able to give it due treatment. The input format defines protocol or pattern used by it. Examples of formats are ISO 8583, IFX, XML of positional. 
         [0038]    Input layout defines the set of information that comprises it, that is, which fields will be present, which are their kinds and in which order they will be. 
         [0039]    As different inputs may be treated by the switch, it is possible to configure, to each existent format, the different information sets that may make up expected inputs. These sets, as described before, are the layouts. Every time the format and the layout of an input were known, it will be possible to perform the isolation of specific information from the general context, what will also enable other switch actions, as, for example, the destination decision. This configuration will also enable an input to be validated regarding its integrity at the moment it reaches the switch. 
         [0040]    The possibility of isolating essential information for the transaction processing allows different input formats and layouts to feed a sole internal structure, which is used as a source to the switch internal logic. The following item deals with normalization of the system inputs and details this process of information isolation. 
         [0041]    The input layout and format configuration basically define, for each input, the used protocol, the fields that comprise it, the order of these fields, their sizes and shapes. 
         [0042]    When we talk about different formats it must not be concluded that the information set present in each of them are also completely different. To allow the correct routing by the switch, it is necessary a minimal information set used by it to precisely define destination. Therefore, a basic rule to allow integration via switch is that the minimal information set to determine destination will always be present in inputs, regardless of format and layout that organize information within the inputs. To obtain this minimal set, the switch uses the input format and layout configurations, which specify which is the field set and in which order and/or position they are defined. This process is named input normalization. The result of this extraction is a basic structure, which that switch uses as reference whenever there is the need to access any content, the complete analysis of the input not taking place each time an information is used. Thus, the normalization may also be defined as the transformation of an input into the information internal structure. 
         [0043]    For the valid format and layout configuration to be identified for a specific input it is necessary for some information to be present in it. These indications must be situated in an identifiable position at the input. 
         [0044]    The switch is prepared to normalize inputs that respect standard ISO 8583 and also to process positional contents and contents in XML format. 
         [0045]    The switch solution allows the input format and layout configuration to be used for a determined recipient, allowing the definition of the information set that must be part of these inputs, the order in which they will be given and their kinds. 
         [0046]    Before defining the concept of translation and the related requirements, it is important to understand the difference between format, layout and content. A format defines a standard, such as ISO 8583. A layout establishes the information set that make up an input or an output (that is, the fields and their kinds). Content means the values that the fields take in a specific input of output. Once this difference is understood, the concept of translation may be explored. 
         [0047]    When we try to meet a great diversity, situations in which different contents, layouts and formats are expected by the Financial Institutions tend to be ordinary. When sending an input to its destination, the switch checks the need for performing content, layout and format, as defined by the input, adaptations, all according to its recipient. The adaptations performed in the inputs are called translations and their function is building outputs in accordance to what their recipients expect. It is important to understand that, although the text states that translation happens on the output, it in fact happens on the information present in the internal structure, as defined by the input after its normalization. It must be clear that inputs change into internal structure after normalization and outputs result from translation of information of the internal structure for the format and layout the recipient expects. It is said that translation happens on the input just to make the understanding of the solution easier, by abstracting intermediate steps. 
         [0048]    To avoid the necessity of different formats, layouts and contents to be known by the applications at its terminals, the Company usually performs translations of the inputs coming from capture points, basically depending of the recipient Financial Institution. 
         [0049]    There is, therefore, besides the output format and layout configuration, another configuration mechanism for translation that allows the content transformation rule definition, including fixed values for fields, value linking, response code conversion, establishment of correspondence with values defined in the information internal structure, that is, the output content definition based in information present in the switch internal structure, previously defined by the correspondent input, among other transformations. 
         [0050]    When making an output out of an input, the switch takes into account both the content transformation configuration and the output format and layout configurations defined for the recipient. 
         [0051]    Knowing the steps performed by the switch, it is possible to imagine a high level flow executed from a new input (supposing the input is in an ATM). In the following flow the mechanisms of information distribution to the other systems will not be represented, for simplification of the reasoning. 
         [0000]    1—An input reaches the switch;
 
2—The switch identifies the input format;
 
3—The switch identifies the input layout;
 
4—The switch normalizes the input;
 
5—The switch identifies the input destination;
 
6—The switch stores/updates information in internal repository;
 
7—The switch analyzes input and content transformation configurations for that destination;
 
8—The switch assembles the output, performing the necessary translations;
 
9—The switch sends the output to destination.
 
         [0052]    From this point on, what happens is basically repetitions of this flux to the remaining transaction since, when receiving a response from the request, the switch considers it as a new input (the same thing happens to the confirmation). The recipients are inverted during the total flow (from the terminal to the Financial Institution and from the Financial Institution to the terminal). 
         [0053]    This view may seem simple, but it is not that simple, in fact. It is possible to point out some problems in this flow. Suppose, for example, that the transaction request had already left to the Financial Institution, what leads to the conclusion that the translation process to output is already performed. When sending a response, this Financial Institution will be sending a new input to the switch, based in its communication form—it would demand new adaptations before normalization, for the contents to be recognized internally. It is concluded therefore that the solution is prepared to perform actions opposed to the performed in the translation, at the moment of normalizing the new input. If the normalization process is understood as a point where adaptations of content may also happen, the flow described above may be considered valid. 
         [0054]    When we speak about inputs from ATMs from Banco24Horas network, there are no great worries about the normalization mechanism, since the application was already built to make inputs with internally known inputs. This statement is also valid to outsourcing of owner networks in which the Company develops the application they perform at the terminals. The greatest worry about this mechanism is due to the Financial Institution currently generating inputs whose content vary greatly. Supposing a somewhat different scenario, where the Company performs outsourcing of a network by the application of a terminal is maintained by the institution itself, the worry with this mechanism tends to increase even more. Therefore, a configuration mechanism resembling the translation mechanism was also built for this case. 
         [0055]    Whenever there is an input at the switch, it must be able to perform some basic validations on this input. Among these validations, the following may be mentioned: 
         [0000]    1—Presence of the minimal information set for routing;
 
2—Kinds of information;
 
3—Message integrity.
 
         [0056]    Whenever there is an input at the switch, this will check if the indicated origin is valid, that is, if it came from a capture point or from a Financial Institution that really exists and that is really qualified to perform transactions. 
         [0057]    An initial transaction set (and specific configurations) was built together with the switch solution, aiming, basically, to ensure some safety requirements that currently exist. 
         [0058]    The switch solution deals with routings of inputs that demand authentication of a user present in a self-service terminal. It was built, with that purpose, a transaction that authenticates the user based in a valid card database. This transaction reports authentication errors happened to allow that, afterwards, they may be consulted and they may serve as source of statistics. 
         [0059]    The solution provides mechanisms to handle the user card database, offering the basic functionalities of a database (inclusion, exclusion and consultation). Among the transactions developed together with the switch solutions is the cryptography key replacement. This transaction is available to ensure the periodic ATM transport and master key replacement. 
         [0060]    The switch solution is able to change the password transport key present in the input (coming from a terminal) to the transport key from the Financial Institution, in the output making. The cryptography may be performed by software or hardware, depending on the configuration defined to the Financial Institution or terminal. 
         [0061]    When the password treatment is configured to be performed by hardware, the transport key replacement will be conducted by a hardware known as HSM (Hardware Security Module). In case of cryptography by software the transport key replacement will be performed by the Company cryptography server. The switch solution provides some statistical information on input and output processing: 
         [0000]    1—Minimal time, mean time a maximal time of each input or output in the system
 
2—Response time from the Financial Institution;
 
3—Number of inputs/outputs per period;
 
4—Number of timeouts.
 
         [0062]    The switch sends transaction information to every backup system that uses them, promoting the least modification in theses systems, 
         [0063]    The switch is able to report occurrences informed by terminals for the backup system responsible for its management. That is why there is a service responsible for the treatment of inputs that correspond to occurrences 
         [0064]    To the configuration mechanism previously described (except for the layout configuration mechanisms) it must be possible to schedule the modifications performed so that the new configurations enter into force only at the appointed time. 
         [0065]    The solution will record all the modification historical record, being possible to identify which ones were the values available in any moment of the past. Analyses performed during the project identified some deficiencies in the configuration mechanisms currently available to the previous authorizer. Details on this diagnostic may be obtained by reading the documents indicated in the section “ERROR! A ORIGEM DA REFERÊNCIA NÃO FOI ENCONTRADA”. Aiming to solve the aforementioned problems, new tools were envisaged, yet to be built, and that will replace the current ones. During the project it was necessary to consider the requirements on which this new tools were based in, so that future integrations are able to happen in the clearest way. 
         [0066]    To allow other configurations described in this document it is necessary for the system to have an auxiliary information set for its operation. 
         [0067]    The following information are kept by the system graphic interface, with register operation, consultations, removal and information updating; 
       1—BIN/set of BINs; 
     2—Destination Address; 
     3—Authorizing Entity; 
     4—Terminal Groups; 
     5—Cryptography Configurations; 
       [0068]    6—Information from Terminals
 
7—Information from Financial Institution/Authorizing Entities
 
         [0069]    The following information are obtained through the process of loading of other corporate systems. 
       1—Network; 
     2—Terminal; 
       [0070]    3—Terminal identification; 
       4—City; 
     5—States; 
     6—Region; 
     7—Software Version; 
     8—Sponsors. 
     9—Financial Institution; 
       [0071]    10—ATM application versions. 
         [0072]    The following information are kept in files of in database tables (without graphic interface): 
         [0000]    2—Response code from the Financial Institution;
 
2—Response Code from TecBan;
 
       3—Communication Protocol Version; 
       [0073]    4—Transaction/Service of set of transactions/services: 
       5—Message Code; 
     6—Processing Code; 
     7—Internal Service Code. 
       [0074]    The switch solution stores relevant information of each input of output, making if available by the necessary amount of time, in a transaction repository. 
         [0075]    The switch basically defines the sequence of actions to be performed so that a transaction may be concluded. Using a term widely used in these times, it works as an orchestrator of processing and/or rules that are performed when the input arrives or when the output leaves. In these treatments that are initiated by the switch, there are those already mentioned, beside some other relevant ones: 
         [0000]    1—Transaction state chances at each stage performed or in case of problems;
 
2—“Naming” of transaction: definition of a unique identification linking every part of the same transaction;
 
3—Timeouts control, configured for inputs and outputs;
 
4—Validations for inputs from the Financial Institutions (response codes, for instance);
 
5—Moments in which the information must be stored.
 
         [0076]    The order of treatment of actions defined by the switch varies according to which transaction is being performed, since a withdrawal transaction is naturally different from a balance check transaction, for instance. 
         [0077]    To promote the agility expected in the building of new transaction, the switch solution offers a standard simplified flow, used as a starting point every time a new transaction arises. 
         [0078]    The solution offers a new transaction sample set that specialize the basic switch behavior described in the previous sections. These basic transactions are incorporated to the switch core to speed up the development of the transactions necessary to meet the Company future business demands. 
         [0079]    The system performs the behavior needed to perform the routing of a transaction of withdrawal involving request, response and confirmation. This transaction is flexible in order to be able to work with Financial Institutions that operates with confirm/cancel and to ones who don&#39;t. 
         [0080]    The solution is able to perform the treatment needed to routing a balance transaction composed of request, response and confirmation in the part ATM-switch at the same time the transaction is treated only with request and response in the stage switch-Financial Institution. 
         [0081]    The system performs the behavior needed to perform the routing of a balance check transaction. The treatment provides the flow of Financial Institutions that operate with multiple response messages for the same transaction. This is necessary because there are response messages (containing the requested extract) whose value is greater than allowed in some ATM terminal implementations. Therefore, the switch will be able to work with fragmented answer by the Financial Institution. 
         [0082]    The core of the solution must incorporate the behavior needed to the processing of a consultation of registration information. This transaction is used by the terminal to obtain registration information on the card bearer. The processing performed by the switch provides a consultation of a Company internal system to obtain the list of available transactions for the card. This transaction also provides a consultation to the Financial Institution do obtain information on the Positive Identification of the client. The switch will be responsible for the linking of the two responses. A sole response message will be sent to the terminal. 
         [0083]    To enable independence among the components that deal with financial transactions, it was necessary to have a configuration in the solution that would indicate which component a certain input message is directed to. 
         [0084]    The information relevant to distinguish between one service and the other are the following ones: 
         [0000]    1—Transaction identification (message code, processing code); 
       2—Network; 
     3—Terminal; 
     4—BIN/set of BINs; 
     5—Terminal Version; 
     6—Communication Protocol Version; 
       [0085]    In order for this choice to work it is necessary for the above information to be present in defined sites in the input system messages. The processing of choosing a service is specific to each external message standard. The system is currently able to choose system services to the ISO 8583 standard. Documents were produces, such as: 
         [0000]    1—Development manuals to minimize the training time of new solution developers.
 
2—User manual;
 
3—System management manual;
 
         [0086]    Besides that, some other requirements were provided to the solution, among them: 
         [0000]    1—Visual presentation (configuration interfaces) based in the utilization of Web technology (browsers) for configurations available to average users;
 
2—Using xml files for functionalities configuration available to developers;
 
3—Availability of 24×7 for the switch core;
 
4—The services are independent regarding maintenance, packing and implementation, with possible grouping by Network (Financial Institution A, Financial Institution B, Network Banco24Horas, etc) and sets of business transactions;
 
5—The switch solution provides information to backup systems through online publishing of the information on transactions, using for that a integration software;
 
6—Utilization of a relational database.
 
7—Development structure (codes, components, version environment) allowing celerity in the building of new transactions through implementation parallelism with the following business axes:
 
a. Transactions/Transactions Groups;
 
b. Self-Service network (Financial Institution A., Financial Institution B, Banco24Horas Network).
 
       Performance Requirements 
       [0087]    1.—The solution can work with at least 75 financial transactions per second, considering a set of machines whose total capacity is 100,000 TPM (according to TPC definitions). These machines will be distributes for database system use and for application servers;
 
2.—The total amount of processing time for each stage of the transaction must no be over 1 second
 
         [0088]    Although the invention is here detailed, it is important to understand that it is not limited to the details and stages here described. This invention is able to perform other modalities and to be executed in several different ways. It must be understood that the terminology here used is for description purposes only, not limitation.