Alert Architecture Segregating IP Gateway from Payment Processing Network
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Solution Overview
Problem
The existing Payment Processing Network (PPN) faces challenges in efficiently processing alert messages without overloading its resources, which can impair its security and reliability, especially when additional processes are integrated, and data exchange with third-party resources may compromise security.
Innovation Solution
Implementing a separate system, referred to as the IP Gateway, outside the traditional payment processing network to manage alert messages, which includes its own servers, databases, and connectivity systems for generating and delivering alerts, thereby segregating alert processing from transaction processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If alert message processing is integrated into the existing Payment Processing Network resources, then alert services can be provided, but the system may become overloaded and efficiency deteriorates
Solution Approach 1:
The system divides the payment processing functionality into two separate systems: the Payment Processing Network (PPN) handles transaction processing, while the IP Gateway handles alert message generation and delivery. This segmentation allows each system to specialize in its function without interfering with the other's performance.
Solution Approach 2:
The alert message processing functionality is extracted from the Payment Processing Network and placed in a separate IP Gateway system. This extraction removes the alert processing load from the PPN, preventing system overload while maintaining alert service capability.
2Adaptability or versatility
If additional alert processing processes are added to the Payment Processing Network, then alert services are enabled, but security and reliability may be compromised
Solution Approach 1:
By segmenting the system into PPN and IP Gateway, the patent isolates alert processing from transaction processing. This ensures that additional alert processing functions do not compromise the reliability of the core payment processing system.
Solution Approach 2:
The IP Gateway acts as an intermediary system between the PPN and alert delivery channels. It receives transaction data from the PPN through secure APIs, processes alert messages, and delivers them via various channels, thereby protecting the PPN from direct exposure to multiple alert delivery systems while maintaining reliability.
3Adaptability or versatility
If data exchange with third-party resources is enabled for alert generation, then customized alert services are provided, but security may be negatively affected
Solution Approach 1:
The IP Gateway serves as a secure intermediary that handles all data exchange with third-party alert delivery channels. It receives standardized data from the PPN through secure APIs and manages communications with external services (SMS providers, email services, push notification services), thereby isolating the PPN from direct security risks associated with third-party interactions.
Solution Approach 2:
The patent extracts the security risk of third-party data exchange from the PPN by placing it in the separate IP Gateway system. The PPN only shares necessary transaction data through secure interfaces, while the IP Gateway handles all potentially risky interactions with external alert delivery services.
Data Source
AI summary
Systems, architecture of the systems, and methods for generating alert message are disclosed. A user enrolls in an alert messaging service. Information that the user provides during an enrollment process are sent into a database. the user performs a transaction using a portable consumer device. Transaction data are sent to a computer apparatus. The computer apparatus accesses the database containing alert customization data. An alert message is generated based on the transaction data and the alert customization data. The alert message is sent to a user device. The systems, resources and processes responsible for performing the transaction and providing the alert messages are separated so that the transaction processing and alert generation are performed in parallel by systems in communication with each other. Utilizing such method prevents the transaction processing system from being overloaded with additional processes, while maintains a desired level of efficiency, security and reliability of the payment processing system.