Application Server for Asynchronous Data Transfer with Intermediary Authorization
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Solution Overview
Problem
Data transfers between entities using different communication platforms face issues such as user authentication, data authentication, synchronization, timeliness, and security, particularly in applications like social media and financial transactions, where delays can significantly impact users and system administrators.
Innovation Solution
An application server facilitates automated data transfers by using an intermediary that initiates a second data transfer based on predetermined authorization criteria, such as fraud risk ratings and data transfer history, allowing for faster transactions without compromising security or increasing risk, especially in financial transactions like ACH debits and credits.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional asynchronous data transfer systems are used to ensure security and authentication, then data security and verification are maintained, but data transfer speed and timeliness deteriorate due to multiple verification steps and sequential processing
Solution Approach 1:
The system performs preliminary authentication and authorization actions before the actual data transfer occurs. User credentials are verified, authorization tokens are generated, and data rights are confirmed in advance, allowing the actual data transfer to proceed without repeated verification delays
Solution Approach 2:
An intermediary server is introduced between the user and the data storage system. This intermediary handles authentication, authorization, and verification processes, allowing the user to interact with a simplified interface while the intermediary manages the complex security protocols in the background
2Reliability
If multiple verification and authentication steps are implemented to prevent fraud and ensure data accuracy, then data reliability is improved, but processing time and system complexity increase
Solution Approach 1:
Multiple verification functions including authentication, authorization, data validation, and fraud detection are merged into a single integrated server system. This consolidation reduces the number of separate components while maintaining comprehensive verification capabilities
Solution Approach 2:
The server is designed with multi-functionality, handling user authentication, data verification, authorization management, and fraud detection within a single system. This universal approach reduces overall system complexity while maintaining robust verification processes
3Reliability
If sequential data transfer processing is used to maintain security protocols, then data security is preserved, but transaction processing efficiency and productivity decrease
Solution Approach 1:
The system enables continuous data transfer operations by implementing asynchronous processing where multiple transactions can be handled in parallel. Once initial authentication is complete, subsequent data transfers proceed without repeated verification interruptions, maintaining continuous productive action
Solution Approach 2:
Security protocols are executed preliminarily before batch processing begins. User credentials and data authorization are verified in advance, allowing large volumes of data to be transferred in efficient batches without repeated security checks for each individual record
Data Source
AI summary
An application server for automated data transfers and associated methods are disclosed. A request to initiate a data transfer from a first account of a first entity to a second account of a second entity is received. A request to initiate a first data transfer from the first account to an intermediary account of an intermediate entity is sent to a data transfer server. After a threshold duration of time and while the first data transfer is in flight, transaction data and fraud risk are received. A likelihood that the first data transfer fails without completion based on predetermined authorization criteria is determined. In response to a determination that the likelihood is below a data transfer failure threshold, a request to initiate a second data transfer from the intermediary account to the second account is sent to the data transfer server.