Centralized Transaction Processing for Recurrence Tracking

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Solution Overview

Problem

Users and resource providers face inefficiencies due to the need for multiple credentials and dedicated databases for authorization and tracking across various computer systems, which can be costly and impractical, especially for small businesses without the means to manage large user data.

Innovation Solution

A method and system for tracking recurrence of interactions between users and resource providers, where a transaction processing computer processes authorization requests, determines recurrence values, and initiates actions based on these values, eliminating the need for multiple credentials and dedicated databases by using a central server to manage and communicate recurrence data through existing authorization channels or API messages.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If users carry multiple credentials and resource providers maintain dedicated databases for each computer system, then authorization and tracking can be performed across various systems, but the complexity of credential management and database maintenance increases significantly

Engineering Contradiction:
Improveauthorization capabilityVSAvoidcredential and database management complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent combines multiple separate credential systems and dedicated databases into a single unified credential and a centralized transaction processing computer. This single credential can access multiple computer systems, and the centralized system consolidates user data storage and tracking functionality, eliminating the need for separate databases at each resource provider location.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The single credential issued by the centralized system serves multiple functions across different computer systems and resource providers. The transaction processing computer provides universal authorization and tracking capabilities that work across diverse systems without requiring system-specific credentials or databases.

Inventive Principle:
Principle #6Universality (Multi-functionality)

2Loss of information

If resource providers maintain dedicated databases for storing user data, then user interactions can be tracked and monitored, but the cost and resource requirements increase, especially for small businesses

Engineering Contradiction:
Improveuser interaction tracking capabilityVSAvoiddata storage resources and costs
Core Design Contradiction:
Loss of informationVSQuantity of substance

Solution Approach 1:

The patent consolidates user data storage and tracking functionality into a centralized transaction processing computer, eliminating the need for individual resource providers to maintain separate databases. This centralization reduces total data storage requirements and eliminates redundant infrastructure at each location.

Inventive Principle:
Principle #5Merging (Combining)

Solution Approach 2:

The transaction processing computer acts as an intermediary between resource providers and user data storage. Resource providers send authorization requests to this intermediary system, which handles data retrieval, tracking, and monitoring without requiring the resource providers to maintain their own database infrastructure.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Loss of information

If each resource provider owns a dedicated server for logging and managing user activity, then user behavior can be tracked at each location, but the impracticality increases for providers with single locations or limited resources

Engineering Contradiction:
Improveuser activity logging capabilityVSAvoidserver maintenance and data management ease
Core Design Contradiction:
Loss of informationVSEase of operation

Solution Approach 1:

The transaction processing computer serves as a centralized intermediary that handles all user activity logging and data management functions. Resource providers simply interact with this central system through authorization requests, eliminating the need for them to operate, maintain, or manage dedicated servers at their locations.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The centralized transaction processing computer automatically performs all logging, tracking, and data management operations without requiring resource providers to have technical expertise or capacity for server maintenance. The system self-manages user data and activity tracking centrally.

Inventive Principle:
Principle #25Self-service

Data Source

PatentEP3566198B1Method for tracking recurrence across computer systems
Publication Date: 2022.05.11 VISA INTERNATIONAL SERVICE ASSOCIATION
  • EP3566198B1 patent drawingFigure 1
  • EP3566198B1 patent drawingFigure 2
  • EP3566198B1 patent drawingFigure 3

AI summary

Embodiments of the invention are directed to methods, systems, and devices for tracking recurrence across computer systems. One embodiment of the invention is directed to a method including processing, by a transaction processing computer, a plurality of transactions and then storing, by the transaction processing computer, data relating to the plurality of transactions. The transaction processing computer may be configured to use the data to determine a recurrence value indicating at least a frequency or number of interactions between a resource provider computer and a user, and the transaction processing computer may further initiate an action based on the recurrence value.