API Field Modification for Non-Standard Payment Messages
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Solution Overview
Problem
In electronic payment processing networks, payment transactions that do not conform to standard message formats often lead to unnecessary resource allocation and delays, as systems configured to process only standard messages forego processing non-conforming transactions, resulting in additional communication and resource usage.
Innovation Solution
A method and system for updating the Application Programming Interface (API) fields of payment transaction messages based on transaction data, allowing for modification and transmission of messages to conform to specific requirements, enabling successful processing even if the initial message does not adhere to standard formats.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If systems are configured to process only standard message formats, then processing accuracy is improved, but adaptability to non-standard messages deteriorates
Solution Approach 1:
The patent introduces an intermediary component that translates non-standard transaction messages into standard message formats. This mediator system receives non-conforming messages, transforms them to meet standard requirements, and forwards them for processing, thereby enabling systems configured for standard formats to handle diverse message types without compromising processing accuracy
Solution Approach 2:
The system dynamically changes message parameters by modifying message format characteristics to conform to standards. When a non-standard message is detected, the system adjusts its parameters (format, structure, fields) to match required standards, allowing the same processing system to handle both standard and non-standard messages effectively
2Reliability
If non-conforming transactions are re-initiated for processing, then processing reliability is improved, but loss of time increases
Solution Approach 1:
The system performs preliminary validation and format standardization before transaction processing begins. By pre-checking message conformity and performing necessary transformations in advance, the system prevents processing failures that would require costly re-initiations, thereby maintaining high reliability while minimizing time loss
Solution Approach 2:
The system implements expedited processing paths for messages that meet standard requirements, skipping unnecessary validation steps. Meanwhile, non-standard messages receive automated translation and priority handling, allowing the system to rapidly process the majority of transactions while still addressing non-conforming ones without significant delay
3Reliability
If additional communication is performed for non-conforming transactions, then processing completeness is improved, but use of energy increases
Solution Approach 1:
The system performs preliminary format validation and automated translation of non-standard messages before they enter the main processing queue. This preliminary action prevents incomplete processing and the need for additional communication rounds, ensuring processing completeness while minimizing energy consumption by resolving format issues in a single pass
Data Source
AI summary
Methods for updating an application programming interface (API) field of a transaction message may include receiving, with at least one processor, a payment transaction message, wherein the payment transaction message comprises data associated with a payment transaction; determining, with at least one processor, one or more API fields of the payment transaction message based on the data associated with the payment transaction; and modifying, with at least one processor, one or more API fields of the payment transaction message. Methods may also include transmitting, with at least one processor, a modified payment transaction message based on modifying the one or more API fields of the payment transaction message. Systems and computer program products are also disclosed.