Abstract: A method and system of mediating an exchange of a series of digital messages between parties to ensure compliance with a predetermined messaging protocol associated with a transaction process. The mediation is achieved via an intelligent gateway located between an internal and an external communication network and comprises a component for monitoring messages passing through the gateway and determining whether the messages comply with or deviate from the predetermined messaging protocol, which may be coded in a global description language. The monitor may act passively and provide a notification of the degree of compliance or may actively block non-compliant messages. A mechanism is provided for replaying and fixing non-compliant messages. A system comprising several intelligent gateways includes a router for routing messages to a particular intelligent gateway according to destination.

Abstract: A system and method is provided for providing proxy access to a set of resources subject to constraints specified by the primary party having access to the resources. The system comprises one or more proxy cards associated with a proxy account that contains details on the resources available and also configurable rules for processing proxy authorization requests and returning an authorization response in dependence on the rules. The system has a particular application to payment cards and accounts, whereby the proxy card can act as proxy for one or more of the real payment cards and the proxy card authentication service may operate in a transparent manner as part of a normal overall payment authorization process.