Contextual Engagement Decision Engine for Payment Orchestration

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Solution Overview

Problem

Current identity and payment systems are cumbersome, complicated, and prone to fraud due to the lack of communication and integration between various providers and environments, leading to inefficient and insecure purchasing processes.

Innovation Solution

A contextual engagement decision engine with an orchestration layer that enables dynamic communication and integration between identity providers, payment mechanisms, and funding sources, using a single API to manage digital identity and payment processing, optimizing and orchestrating transactions through predefined rules, dynamic statistical models, and machine learning for intelligent decision-making.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If multiple identity providers, payment mechanisms, and funding sources are used to provide comprehensive options, then the versatility and consumer choice are improved, but the system complexity and difficulty of integration increase

Engineering Contradiction:

Improvepayment optionalityVSAvoidsystem integration complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent introduces an identity and payment orchestration engine as an intermediary layer between consumers and multiple providers. This orchestration engine manages the complexity of integrating numerous identity providers, payment mechanisms, and funding sources by providing a unified interface and centralized coordination, thereby maintaining versatility while reducing integration complexity

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The orchestration engine is designed as a universal platform that can work with multiple different identity providers, payment mechanisms, and funding sources through standardized interfaces. This multi-functionality allows the system to support diverse payment options without requiring separate integration logic for each provider, thus improving versatility while controlling complexity

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Ease of manufacture

If traditional authentication and payment processing methods are used across multiple providers, then compatibility and ease of implementation are improved, but the security and fraud prevention capabilities deteriorate

Engineering Contradiction:

Improveimplementation easeVSAvoidfraud prevention

Core Design Contradiction:

Ease of manufactureVSReliability

Solution Approach 1:

The orchestration engine implements feedback mechanisms by continuously monitoring transaction patterns, authentication outcomes, and provider performance. This feedback is used to dynamically adjust authentication requirements, route transactions through more secure providers when risks are detected, and learn from past fraud patterns, thereby enhancing security while maintaining ease of implementation through automated decision-making

Inventive Principle:

Principle #23Feedback

Solution Approach 2:

The system performs preliminary authentication and risk assessment actions before transactions are processed. The orchestration engine pre-validates consumer identities, pre-authenticates with appropriate providers, and pre-assesses fraud risks based on historical data and patterns. This preliminary action strengthens security measures without adding complexity to the actual transaction processing for end users

Inventive Principle:

Principle #10Preliminary action

3Productivity

If real-time communication and coordination between all providers and environments are implemented, then the transaction speed and efficiency are improved, but the computational resources and processing time required increase

Engineering Contradiction:

Improvetransaction efficiencyVSAvoidcomputational resource consumption

Core Design Contradiction:

ProductivityVSUse of energy by moving object

Solution Approach 1:

The orchestration engine segments the communication and coordination tasks into distinct modules and layers. It divides provider interactions into separate communication channels, processes different transaction aspects (authentication, payment, validation) independently, and manages each provider relationship separately. This segmentation enables parallel processing and reduces the computational overhead of coordinating all providers simultaneously, thereby improving transaction efficiency while controlling resource consumption

Inventive Principle:

Principle #1Segmentation

Data Source

PatentUS20230214837A1Methods, systems, and devices for machine learning-based contextual engagement decision engine

Publication Date: 2023.07.06 FIDELITY INFORMATION SERVICES LLC

AI summary

A system for processing a transaction at a point of engagement comprising receiving an input interaction from a user, communicating with a plurality of identity providers to validate an identity of the user, communicating with a plurality of payment providers to collect available payment or funding options, mapping the input interaction to an output interaction, and performing a transaction that reflects the mapping of the input interaction to the output interaction.