Asynchronous Interaction Approval for User-Controlled Value Requests
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Solution Overview
Problem
Existing computer-implemented interactions lack the ability to pause or allow user approval outside the structured request-response flow, limiting user control over transactions such as recurring payments or access to secure resources.
Innovation Solution
A method and system that allows asynchronous transmission of a request for a value to a user device for approval, followed by an authorization computer determining whether to grant the value based on user input, and subsequently transmitting an authorization code indicating the decision to the transport computer.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Extent of automation
If a structured request-response flow is used for computer-implemented interactions, then the interaction process is efficient and automated, but user control and approval capability outside the structured flow is lost
Solution Approach 1:
The interaction flow is segmented into structured request-response cycles and asynchronous approval phases. The authorization computer receives requests, transmits them to user devices for approval, and handles responses asynchronously, allowing user control outside the traditional structured flow while maintaining automation efficiency.
2Adaptability or versatility
If asynchronous transmission of value requests to user devices is implemented, then user control over transactions is enabled, but system complexity increases
Solution Approach 1:
The authorization computer acts as an intermediary between the transport computer and the user device. It receives value requests from the transport computer, transmits them to the user device for approval, and manages the asynchronous response process, thereby enabling user control while centralizing complexity management in a single component.
3Speed
If traditional structured request-response flow is used, then processing speed is maintained, but transaction management and security control are limited
Solution Approach 1:
The system performs preliminary actions by transmitting value requests to user devices for approval before the actual transaction is completed. The authorization computer determines whether to grant the value based on user input received in advance, enabling enhanced security control while maintaining processing efficiency through asynchronous operation.
Data Source
AI summary
Techniques for processing an interaction using an interaction request include receiving, by an authorization computer from a transport computer, a request for a value, transmitting, by the authorization computer, the request for the value to a user device for approval, transmitting, by the authorization computer to the transport computer, a message comprising an identifier for the request for the value, receiving, by the authorization computer from the user device, an indication of approval of the request for the value, responsive to receiving the indication of approval from the user device, determining, by the authorization computer, whether or not the value should be granted, and transmitting, by the authorization computer to the transport computer, an authorization code indicating whether or not the value is granted and the identifier for the request.