Batched Payment Validation System for Online Transactions
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Solution Overview
Problem
The inefficiency and redundancy in online payment transactions due to repeated verification details entry, which increases computational resource consumption, latency, and security risks, particularly when multiple transactions are performed across different online merchants.
Innovation Solution
A system and method that allow a single security validation for multiple online transactions, where the user inputs verification details only once, and the payment gateway verifies them for all transactions within a selected time window, reducing the need for repeated validations and enhancing security.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If verification details are requested for each transaction, then security validation is ensured, but computational resource consumption increases and latency increases
Solution Approach 1:
The patent combines multiple transaction validations into a single batched validation process. Instead of validating verification details for each transaction individually, the system collects multiple transactions and performs a single validation operation that covers all of them, thereby reducing computational resource consumption while maintaining security validation.
Solution Approach 2:
The system performs preliminary batching of transactions before validation. By collecting transactions in advance and grouping them together, the system prepares the validation data structure beforehand, allowing a single validation operation to serve multiple transactions rather than performing separate validations for each one.
2Reliability
If verification details are requested for each transaction, then security validation is ensured, but latency increases
Solution Approach 1:
The patent merges multiple validation requests into a single batched validation operation. This consolidation eliminates the need for sequential validation processing, reducing the total time required for validation and thereby decreasing latency while still ensuring security validation for all transactions in the batch.
Solution Approach 2:
The system maintains continuous validation processing by batching transactions together. Instead of interrupting the flow to perform discrete validations for each transaction, the continuous batching process allows validation to proceed in an uninterrupted manner, reducing waiting time and latency.
3Measurement precision
If verification details are transmitted multiple times, then validation accuracy is maintained, but internet usage increases
Solution Approach 1:
The patent combines multiple verification detail transmissions into a single transmission event. By batching multiple transactions together and transmitting verification details only once for the entire batch, the system maintains validation accuracy for all transactions while significantly reducing internet usage and network bandwidth consumption.
4Reliability
If verification details are required for each transaction, then fraud prevention is enhanced, but ease of operation deteriorates
Solution Approach 1:
The patent merges multiple fraud prevention checks into a single user interaction event. Instead of requiring the user to enter verification details for each individual transaction, the system batches multiple transactions together and performs a single fraud prevention validation, thereby maintaining security while significantly improving user convenience and reducing operational friction.
Data Source
AI summary
Systems, apparatuses and methods may provide for technology to receive first payment details of a first transaction, where the first transaction is an online purchase by a user from a first merchant. The technology identifies a multiple-transaction selection associated with the first transaction. The technology receives second payment details of a second transaction, where the second transaction is an online purchase by the user from a second merchant. The technology performs a single security validation to validate the first payment details and the second payment details.