Authorization Data Translation Server for Account Portability
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Solution Overview
Problem
Existing authorization systems face challenges when user accounts are transferred between authorization entities, as the data becomes obsolete, requiring users to undergo re-registration processes and resulting in the loss of associated information, leading to inconvenient and resource-intensive reissuance of account portfolios.
Innovation Solution
A method and system that enable the translation of authorization data sets from one authorization entity to another, allowing users to continue using their accounts without re-registration by generating and mapping new account identifiers and verification values, ensuring seamless transaction processing across entity changes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If authorization data is transferred between entities, then authorization processing can be continued, but the original data becomes obsolete and requires re-registration
Solution Approach 1:
A translation server acts as an intermediary between the first authorization computer and the second authorization computer. The server receives authorization request messages with first data sets, translates them to second data sets compatible with the new authorization entity, and forwards the translated messages. This mediator enables seamless data transfer without requiring users to re-register or lose their authorization history.
2Reliability
If re-registration processes are implemented, then new authorization data can be generated, but user convenience deteriorates and time is lost
Solution Approach 1:
The translation server performs preliminary translation of authorization data before the user even needs to interact with the new authorization entity. When a user makes a purchase, the server proactively translates the first data set to a second data set in the background, so the user experiences no interruption or time loss. The translation happens beforehand, eliminating the need for manual re-registration.
3Adaptability or versatility
If entire account portfolios are reissued, then authorization compatibility is achieved, but resource waste increases
Solution Approach 1:
Instead of reissuing entire account portfolios, the system extracts only the necessary translation functionality and applies it selectively to individual authorization request messages. The translation server processes only the specific data sets that need translation, leaving the original first data sets intact and avoiding the resource-intensive process of creating completely new accounts for every user.
4Ease of operation
If data translation is implemented, then user continuity is maintained, but system complexity increases
Solution Approach 1:
The translation server is designed as a universal component that can handle multiple authorization entities and data formats. Rather than creating separate translation systems for each entity transition, the server provides a multi-functional platform that translates between different authorization entity data sets using standardized protocols, reducing overall system complexity while maintaining user continuity.
Data Source
AI summary
Systems and methods are described that allow users to continue utilizing their user accounts and user devices associated with a first authorization entity for transactions conducting with a second authorization entity. A processor server computer may translate a first data set including first account identifier and a first verification value associated with a first authorization entity during authorization processing into a second data set including a second account identifier and a second verification value that can be processed by a second authorization entity. The processor server computer may modify an authorization request message based on the translated data set. The processor server computer may also enable the authorization request message to be routed to an appropriate authorization entity during authorization processing.