Automated Promotion Application in Payment Authorization Systems
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Solution Overview
Problem
Existing systems require manual entry of object codes by external systems for authorization and promotion processing, limiting automation and efficiency in instrument utilization across networks.
Innovation Solution
A computer-implemented method and system that automatically applies promotion objects to instrument utilization without external system participation, using machine learning algorithms to determine eligibility and apply objects based on external system category codes, enabling both in-network and out-of-network promotions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Extent of automation
If manual entry of object codes is required by external systems, then promotion processing can be performed, but operational efficiency is reduced and automation is limited
Solution Approach 1:
The authorization system automatically determines eligibility and applies promotion objects without requiring manual intervention from external systems. The system uses stored eligibility criteria and instrument utilization data to autonomously process promotions, eliminating the need for external systems to manually enter object codes while maintaining accurate promotion processing.
2Ease of operation
If external systems manually enter object codes, then promotion information can be transmitted, but system complexity increases and manual intervention is required
Solution Approach 1:
The patent extracts the object code entry requirement from the authorization process. By removing this manual step, the system simplifies external system operations while maintaining the ability to process promotions accurately through automated eligibility determination and application.
3Productivity
If automatic promotion application is implemented, then operational efficiency improves, but system complexity increases
Solution Approach 1:
The authorization system pre-stores eligibility criteria and promotion object information before instrument utilization occurs. This preliminary preparation enables automatic promotion application during authorization without requiring complex real-time calculations or external system involvement, thus improving efficiency while managing system complexity through pre-computed data structures.
Data Source
AI summary
Examples described herein include systems, methods, instructions, and other implementations of different objects. One embodiment includes receipt of an authorization request message for an instrument utilization associated with a record identifier. The authorization request message includes an external system category code and does not include object information. A determination is then made that the instrument utilization is eligible for an object based on the external system category code. The object is then automatically applied to the instrument utilization at the record identifier, and an authorization response message is then generated authorizing the instrument utilization.