US Patent:
20170148021, May 25, 2017
Inventors:
- Englewood CO, US
Abhishek Banerjee - San Francisco CA, US
Marc Elbirt - San Francisco CA, US
Seshu Pandey - San Francisco CA, US
Kevin Lai - San Francisco CA, US
Sanjay Saraf - San Jose CA, US
Assignee:
The Western Union Company - Englewood CO
International Classification:
G06Q 20/40
H04L 29/06
G06Q 20/10
H04L 12/66
Abstract:
Techniques are disclosed for providing secure transaction functionality using a centralized digital gateway configured to process transactions of various types, using different transaction processing entities, within a single processing flow. The digital gateway may implement rules and logic to optimize transaction processing costs. Additionally, transaction authorization, various types of transaction analyses, and transaction processing and dispatch processes may be performed in parallel, as directed by the implemented rules and logic, in order to optimize transaction processing costs and processing speeds. Further, digital gateway may be configured to normalize transaction request data across different transaction types, allowing the transaction request data to be transmitted in a uniform manner to related back-end systems, partner systems, and transaction processors.