Consolidated Message Processing for Payment Transactions
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Solution Overview
Problem
Current multi-party transaction processing systems require multiple messages to be transmitted between merchants, acquirers, and issuers, leading to increased transaction processing times and costs, especially for large online merchants, due to the need for separate authentication and authorization requests.
Innovation Solution
A consolidated message processing system that translates 3DS web-based authentication responses into network-format authorization requests, allowing merchants to bypass acquirers and directly initiate transactions with issuers, reducing the number of messages required and processing times.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If separate authentication and authorization messages are transmitted through multiple parties (merchant→acquirer→issuer), then authentication and authorization can be completed, but transaction processing time increases and processing costs increase
Solution Approach 1:
The patent combines separate authentication (3DS) and authorization messages into a single consolidated message transmission. The merchant system transmits one message that carries both authentication data elements and authorization request data elements, eliminating the need for separate message exchanges between merchant, acquirer, and issuer. This merging reduces the number of transmission rounds and processing steps while maintaining both authentication and authorization functions.
Solution Approach 2:
The patent extracts and eliminates the intermediary acquirer from the message transmission path. By using a consolidated message format that can be directly routed from merchant to issuer, the system removes the acquirer's role in forwarding authentication and authorization messages, thereby reducing processing time and costs associated with acquirer involvement.
2Reliability
If multiple separate messages (authentication web call + authorization request) are transmitted, then comprehensive transaction processing is achieved, but the number of processing requirements and costs increase
Solution Approach 1:
The patent merges multiple separate messages into a single consolidated message that contains both authentication data elements (from 3DS web call) and authorization request data elements. This consolidation reduces the number of processing operations required at each node in the transaction system, lowering computational complexity and processing costs while maintaining complete transaction processing functionality.
Solution Approach 2:
The consolidated message format serves multiple functions simultaneously: it carries authentication data, authorization requests, and routing information all in one transmission. This multi-functional message structure eliminates the need for separate dedicated messages for each function, reducing overall system complexity.
3Reliability
If acquirer involvement is required in the message transmission path, then traditional multi-party processing is maintained, but transaction efficiency decreases
Solution Approach 1:
The patent extracts the acquirer from the essential message transmission path between merchant and issuer. The consolidated message format enables direct routing from merchant to issuer for both authentication and authorization, removing the acquirer's mandatory involvement in the critical authorization flow while maintaining traditional processing integrity through optional acquirer participation in settlement phases.
Data Source
AI summary
A network translation computing device for processing consolidated messages is disclosed. The network translation computing device receives a web-based authentication response including a plurality of data elements in a web-based format. The network translation computing device translates the plurality of data elements from the web-based format to a network-based format. The network translation computing device generates a network-format authorization request message including the plurality of data elements in the network-based format. The network translation computing device transmits the network-format authorization request message to an issuer of the transaction card to initiate an authorization process of the transaction.