ATM Reloadable Card Loading Parallel Authorization
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Solution Overview
Problem
The existing methods for loading reloadable value cards are time-consuming and inconvenient, requiring multiple steps and delays, especially when using bank/credit/debit cards for reloading, which can be burdensome for users in a hurry.
Innovation Solution
A computer-implemented method and system that enables loading reloadable cards through an automated teller machine (ATM) by executing a funding card authorization process and a reloadable card crediting process in parallel, reducing waiting time by sending authorization and crediting requests to respective issuer servers, and confirming the transaction upon approval, allowing the card to be reloaded simultaneously with card insertion.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional reloading methods using bank/credit/debit cards are used, then the reloading transaction can be authorized and completed, but the process requires multiple steps and takes significant time
Solution Approach 1:
The system performs preliminary actions by pre-authorizing the funding card transaction before the actual card insertion. The authorization request is sent to the issuer server in advance, and the approval is obtained before the reloading process is fully initiated, thereby reducing the waiting time during the actual transaction.
Solution Approach 2:
The reloading process is segmented into distinct phases: authorization phase (sending authorization request to issuer server), card insertion phase, and crediting phase. By separating the authorization step from the card insertion and crediting steps, the system can prepare the authorization in advance, reducing the overall processing time perceived by the user.
2Reliability
If traditional reloading methods are used, then the card can be reloaded, but the process requires visiting merchant shops or accessing websites which is inconvenient
Solution Approach 1:
The system enables self-service reloading by allowing users to insert their own cards into the reloading machine and complete the transaction autonomously. The machine automatically communicates with the issuer server, processes the authorization, and credits the account without requiring user intervention beyond card insertion, eliminating the need to visit merchant shops or access websites.
Solution Approach 2:
The reloading machine acts as an intermediary between the user's cards and the issuer server. It facilitates the transaction by automatically sending authorization requests, receiving approvals, and completing the crediting process, thereby simplifying the user experience while maintaining reliable transaction processing.
3Productivity
If parallel processing of authorization and crediting is implemented, then the total processing time is reduced, but the system complexity increases
Solution Approach 1:
The authorization request is sent to the issuer server as a preliminary action before the card insertion is fully processed. This allows the system to prepare the authorization in advance, and once approved, the crediting can proceed immediately after card insertion, enabling parallel processing that reduces total time without requiring complex coordination during the critical path.
Data Source
AI summary
A computer-implemented method and a system for loading reloadable cards, the computer-implemented method including: receiving, from an automated teller machine (ATM), a loading transaction request, the loading transaction request including a reloadable card identifier associated with a reloadable card, a funding card identifier associated with a funding card, and loading amount information; executing a funding card authorisation process; executing a reloadable card crediting process; and sending loading transaction approval to the ATM.