Authentication Credential Updating During Invalid Payment Transactions
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Solution Overview
Problem
Existing systems are inefficient in updating payment account credentials during transactions due to invalid credentials, leading to repeated transaction declines and increased network traffic.
Innovation Solution
Integrate credential updating directly into the authentication phase of transactions, using a directory server to automatically provide updated credentials in real-time, reducing user interaction and minimizing network traffic.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If credentials are updated manually by users after becoming invalid, then credential validity is restored, but transaction processing time increases and network traffic increases due to repeated decline and re-submission cycles
Solution Approach 1:
The system performs preliminary credential validation during the authentication phase before transaction processing. The directory server proactively identifies invalid credentials and provides updated credentials in advance, preventing transaction declines before they occur. This preliminary action eliminates the need for manual user updates and repeated transaction attempts.
Solution Approach 2:
The directory server acts as an intermediary between the authentication system and credential storage. It intercepts authentication requests, validates credentials, and automatically provides updated credentials when invalidity is detected. This intermediary function streamlines the credential update process without requiring user intervention or causing transaction delays.
2Reliability
If credentials are updated manually by users, then credential validity is restored, but the number of network transactions increases due to repeated decline and re-submission
Solution Approach 1:
The system performs preliminary credential validation during the authentication phase before transaction processing. The directory server proactively identifies invalid credentials and provides updated credentials in advance, preventing transaction declines before they occur. This preliminary action eliminates the need for manual user updates and repeated transaction attempts.
Solution Approach 2:
The system implements a feedback mechanism where the directory server continuously monitors credential validity during authentication. When invalid credentials are detected, the system immediately feedbacks updated credentials to the authentication process, creating a closed-loop system that prevents network traffic from repeated transaction declines.
3Reliability
If credential validation is performed during authentication, then credential validity is ensured, but authentication process complexity increases
Solution Approach 1:
The directory server performs multiple functions within a single authentication request handling process: it validates credentials, identifies invalidity, retrieves updated credentials, and returns them all in one operation. This multi-functionality approach integrates credential validation into the existing authentication flow without requiring separate validation steps or increasing overall process complexity.
Data Source
AI summary
Systems and methods are provided for updating credentials for accounts associated with users. An example computer-implemented method includes receiving, from a first party, an authentication request for a network transaction associated with an account, the authentication request including a credential unique to the account; determining that the credential unique to the account is invalid; and in response to determining that the credential unique to the account is invalid: identifying an updated credential unique to the account; appending the updated credential unique to the account to an authentication message; and transmitting the authentication message to one of the first party and an access control server (ACS) associated with an issuer of the account.