A2A Payment Network Using Issuer URL and Intent-Based Authentication
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Solution Overview
Problem
Existing A2A transaction networks face challenges in eliminating the need for physical payment devices, managing multiple communication channels, reducing fraudulent transactions, and increasing electronic transaction channels, while ensuring security and efficiency.
Innovation Solution
A computer-implemented method and system for an A2A transaction network that includes receiving transaction requests, determining issuer URLs, generating intent identifiers, and transmitting them through APIs to facilitate secure and efficient transactions between merchant and issuer accounts, with confirmation and settlement messages.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional card-based payment systems are used, then payment transactions can be processed, but physical payment devices and stored payment device data are required which increases security risks and system complexity
Solution Approach 1:
The patent extracts the payment device data requirement from the transaction system by implementing account-to-account transfers that operate directly between bank accounts without requiring physical cards or stored payment device data. The system removes the card-present and card-not-present dependency entirely, allowing transactions to occur through direct account routing information exchange between payer and payee systems.
Solution Approach 2:
The patent creates a universal A2A transaction network that can handle multiple transaction types (P2P, P2M, M2P, M2M) through a single standardized protocol. The system provides multi-functional capability to support various payment scenarios without requiring separate systems for each transaction type, thereby reducing overall system complexity while improving reliability.
2Adaptability or versatility
If multiple A2A providers with multiple communication channels are integrated, then transaction coverage is expanded, but system integration complexity and processing overhead increase
Solution Approach 1:
The patent merges multiple A2A communication channels into a unified standardized protocol. Instead of requiring separate integration points for different A2A providers, the system combines them into a single communication framework that handles all transaction types through consistent message formats and processing logic, thereby reducing integration complexity while maintaining broad transaction coverage.
Solution Approach 2:
The patent segments the transaction processing into distinct functional modules (authorization, settlement, routing) that can be independently implemented and scaled. This modular segmentation allows the system to handle multiple A2A providers through standardized interfaces without requiring monolithic system redesign, reducing integration complexity while expanding versatility.
3Productivity
If traditional payment processing systems are used, then transactions can be authorized and settled, but fraudulent transactions and disputed transactions create economic loss and consume computer resources for remediation
Solution Approach 1:
The patent implements preliminary authentication and verification steps before transaction authorization, including real-time account validation, fraud risk assessment, and consent verification. By performing these security checks in advance rather than after potential fraud occurs, the system prevents fraudulent transactions from consuming processing resources for remediation while maintaining high transaction processing efficiency.
Solution Approach 2:
The patent incorporates real-time feedback mechanisms that provide instant authorization decisions and fraud alerts to transaction participants. This immediate feedback allows the system to stop potentially fraudulent transactions before they consume significant processing resources, improving overall productivity by preventing resource-wasting remediation processes.
4Quantity of substance
If electronic account transfers are implemented without physical devices, then payment device storage requirements are eliminated, but secure authentication and consent verification become more complex
Solution Approach 1:
The patent uses cryptographic copies and digital signatures to verify authentication and consent without requiring physical device presence. Instead of storing physical card data, the system creates and verifies digital representations of authentication tokens and consent identifiers that can be transmitted and validated electronically, reducing storage requirements while maintaining secure authentication through standardized cryptographic protocols.
Data Source
AI summary
Provided are a system, method, and computer program product for an account-to-account (A2A) transaction network. The system includes a processor configured to initiate a transaction request via a merchant interface accessed on a client device. The processor is configured to transmit the transaction request to an A2A management system via the merchant interface. The processor is configured to receive an issuer uniform resource locator (URL) and an intent identifier from the A2A management system. The processor is configured to access, via the issuer URL, a payment interface on the client device. The processor is configured to transmit, via the payment interface, the intent identifier and user authentication data to the issuer system. The processor is configured to, after receiving transaction data from the issuer system, transmit, via the payment interface, confirmation to cause the issuer system to transmit an authenticated consent identifier to the A2A management system.