Upgrading Dual to Single Authorization Messages
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Solution Overview
Problem
Dual message systems in transaction processing require unnecessary message generation and processing, wasting resources and increasing data breach risks due to sensitive information transmission, while the transition to single message systems is hindered by the reluctance of resource providers and acquirers to upgrade their systems.
Innovation Solution
A method and system that upgrades authorization request messages from dual to single message format without modifying existing systems, using a server computer to receive, score, and upgrade authorization requests, allowing for simultaneous authorization and settlement, thereby eliminating the need for a second message.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If dual message system is used for transaction processing, then existing systems can operate without modification, but processing efficiency decreases and data breach risks increase due to unnecessary message generation
Solution Approach 1:
The patent introduces a message upgrade module as an intermediary component that sits between the authorization request receiver and the message transmitter. This module automatically upgrades dual-format authorization request messages to single-format messages before transmission, allowing the system to operate in single message system mode while maintaining compatibility with legacy dual message system interfaces. The intermediary translates and converts messages without requiring modifications to existing acquirer or issuer systems.
2Adaptability or versatility
If dual message system is used for transaction processing, then system compatibility is maintained, but resource allocation increases due to processing of extraneous messages
Solution Approach 1:
The message upgrade module extracts and eliminates the unnecessary second message from the dual message process. By upgrading the authorization request message to include all necessary settlement information in a single message format, the system removes the need to generate, transmit, and process separate settlement messages. This extraction of extraneous messaging steps reduces computational resources, network bandwidth, and processing time while maintaining full system compatibility.
3Adaptability or versatility
If dual message system is used for transaction processing, then existing infrastructure can be utilized, but data security risks increase due to transmission of sensitive information in multiple messages
Solution Approach 1:
The message upgrade module merges the information from what would traditionally be transmitted in two separate messages (authorization request and settlement message) into a single upgraded authorization request message. By consolidating all necessary transaction data, including sensitive account information and settlement details, into one message that is encrypted and transmitted securely, the system reduces the number of transmission points vulnerable to interception. This merging reduces exposure of sensitive data while maintaining full utilization of existing infrastructure.
Data Source
AI summary
Embodiments provide methods and systems for upgrading an authorization request message in a dual message system format to an upgraded authorization request message in a single message system format without requiring any modifications to existing systems of acquirers and issuers. A transaction processing network computer may upgrade an authorization request message based on a score assigned to the transaction using a machine learning algorithm. The score indicates a likelihood that a final value of the transaction when finalized is same as an initial value of the transaction. If the score is above predetermined threshold, the transaction processing network computer upgrades the authorization request message to a single message system format.