Asynchronous Interaction Requests for User Transaction Approval
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Solution Overview
Problem
Existing computer-implemented interactions lack the ability to allow users to approve, decline, or defer transactions beyond the structured request/response flow, particularly in recurring transactions like credit card payments, where users are often unaware of pending transactions.
Innovation Solution
A method and system that enables asynchronous processing of interaction requests, allowing users to approve or decline transactions through a user device before the interaction is processed, using ISO messaging to transmit a request for a value, receive an identifier, and determine whether to grant the value based on user input, with authorization codes being transmitted accordingly.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If a structured request/response flow is used for computer-implemented interactions, then the interaction structure is maintained and processed efficiently, but users cannot approve or pause transactions beyond the established structure
Solution Approach 1:
The interaction flow is segmented into distinct phases: initial structured request/response for credential validation, asynchronous user approval phase, and final authorization phase. This segmentation allows users to intervene at specific points without disrupting the entire interaction structure, resolving the contradiction between maintaining structure and enabling user control.
Solution Approach 2:
The system performs preliminary actions by sending the request for value to the user device before final authorization. The user device receives and processes the request in advance, allowing users to approve or pause transactions before the structured response is completed, thus adding adaptability while maintaining overall processing efficiency.
2Reliability
If asynchronous processing is introduced to allow user approval, then user control and transaction security are improved, but processing time and system complexity increase
Solution Approach 1:
The request for value is transmitted to the user device in advance of final authorization, allowing users to review and approve transactions before the structured response completes. This preliminary action enhances security by requiring explicit user consent while the asynchronous nature allows processing to continue without blocking the entire interaction flow.
Solution Approach 2:
The system implements feedback mechanisms where the user device receives the request, processes it asynchronously, and returns an indication of approval to the authorization computer. This feedback loop ensures transaction security through user verification while the asynchronous processing allows the system to continue operating efficiently without significant time loss.
3Reliability
If user approval is required for all transactions, then transaction security and user involvement are enhanced, but processing efficiency and speed decrease
Solution Approach 1:
The authorization process is segmented into automated credential validation (structured request/response) and user approval phases. The automated phase handles routine verification efficiently, while the user approval phase is triggered only when necessary, maintaining processing speed for standard transactions while ensuring security for those requiring user involvement.
Solution Approach 2:
Automated credential validation and request preparation are performed as preliminary actions before requiring user approval. This allows the system to process transactions quickly by completing routine verification in advance, while still requiring user approval for final authorization, thus balancing speed and security.
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.