Aggregated Authentication for Open Loop Payment Networks
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Solution Overview
Problem
Current authentication protocols for online, open loop payment networks require separate authentication for each transaction with multiple merchants, leading to inefficiencies in computing resources and increased time, as existing systems lack a mechanism for aggregated authentication.
Innovation Solution
A computer-implemented method and system for aggregated authentication in an online, open loop payment network that uses a single authentication request message with an aggregation identifier to generate multiple authentication codes, allowing a merchant system to process multiple transactions efficiently by communicating through an issuer authentication system and a transaction service provider.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If separate authentication is performed for each transaction with multiple merchants, then security requirements are met, but computing resources (network bandwidth, memory, computational power) are wasted and processing time increases
Solution Approach 1:
The patent combines multiple separate authentication requests into a single aggregated authentication request. The authentication system receives one request containing multiple transaction identifiers and merchant identifiers, processes them together, and returns multiple authentication codes in a single response. This merging eliminates redundant authentication steps while maintaining security requirements for each transaction.
Solution Approach 2:
The authentication system is enhanced to handle both traditional single-transaction authentication and the new aggregated multi-transaction authentication. The system can process authentication requests with varying numbers of transactions and merchants, providing a universal solution that works for both simple and complex payment scenarios without requiring separate systems.
2Reliability
If separate authentication is performed for each transaction, then individual transaction security is ensured, but user time and system processing time increase
Solution Approach 1:
Multiple authentication operations are merged into a single consolidated authentication process. The system receives one authentication request containing multiple transactions, validates all transactions together, and returns all authentication codes in one response message, dramatically reducing the time users spend on authentication while maintaining security for each individual transaction.
Solution Approach 2:
The system performs preliminary validation and processing of multiple transactions together before final authentication. By preparing and validating all transaction data in advance within the single authentication request, the system avoids repeated validation steps that would otherwise occur with separate authentications, thereby reducing overall processing time.
3Adaptability or versatility
If existing authentication protocols are used for multiple merchants, then compatibility is maintained, but cascading changes to multiple systems are required
Solution Approach 1:
The patent introduces an intermediary aggregated authentication request format that sits between the user/merchant system and the authentication system. This intermediary structure allows the authentication system to process multiple transactions without requiring changes to the underlying authentication protocols or cascading modifications across issuer institutions, acquirer institutions, and payment gateways. The aggregation layer handles the complexity while maintaining protocol compatibility.
Data Source
AI summary
Provided is a system, method, and apparatus for aggregated authentication in an online, open loop payment network. The method includes receiving a single authentication request message to conduct a plurality of transactions with a plurality of merchants, the single authentication request message comprising an aggregation identifier, detecting the aggregation identifier in the single authentication request message, in response to detecting the aggregation identifier, generating a single authentication response message comprising a plurality of authentication codes, each authentication code of the plurality of authentication codes corresponding to a merchant of the plurality of merchants, and communicating the single authentication response message to the merchant system, the single authentication response message configured to cause the merchant system to separately process each transaction of the plurality of transactions.