Digital Receipt Server Using Internet for High-Bandwidth Distribution
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Solution Overview
Problem
Existing digital receipt systems face challenges in efficiently storing and distributing large amounts of transaction data due to limited bandwidth in EFT networks and constraints in ISO 8583 message formats, which restrict the adaptation of digital receipt information.
Innovation Solution
A digital receipt server system that communicates through a second network, such as the Internet, to store and distribute digital receipts using globally unique identifiers, allowing for higher data rates and overcoming messaging constraints of the first network, while validating the issuer before transmitting the receipt.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If digital receipt information is transmitted through EFT networks using ISO 8583 messaging, then transaction authorization and processing are enabled, but the bandwidth limitations and message format constraints prevent efficient storage and distribution of large amounts of receipt data
Solution Approach 1:
The system segments receipt data transmission into two phases: (1) Transaction authorization phase using ISO 8583 messaging through EFT networks for essential transaction data, and (2) Receipt distribution phase using alternative high-bandwidth networks for complete receipt data. This segmentation allows each phase to use the most appropriate communication channel for its specific data requirements.
Solution Approach 2:
The patent introduces an intermediary receipt distribution system that receives transaction data from EFT networks and redistributes complete receipt information through high-bandwidth alternative networks. This intermediary acts as a buffer that converts constrained EFT network transactions into efficient receipt distribution, decoupling the authorization process from the receipt delivery process.
2Adaptability or versatility
If ISO 8583 message format is used for transaction communication, then standardization and system compatibility are achieved, but the message length allocations limit the amount of private content that can be stored
Solution Approach 1:
The system moves receipt data storage from the constrained one-dimensional ISO 8583 message format to a multi-dimensional storage architecture using alternative networks with vastly different message length characteristics. This dimensional change in storage capacity allows complete receipt information to be preserved without being limited by ISO 8583 field length allocations.
Solution Approach 2:
The system performs preliminary action by transmitting essential transaction data through ISO 8583 messaging for authorization, then subsequently transmits the complete receipt data through alternative networks. This preliminary transmission of core data enables the transaction to proceed while setting up the framework for complete information delivery.
Data Source
AI summary
According to certain embodiments of the present invention, a method for coordinating the provision of a digital receipt associated with a financial transaction is provided. According to the method, a digital receipt and an identifier corresponding to the digital receipt are communicated from an acquirer and received at a digital receipt server. The digital receipt and the corresponding identifier may be communicated through a second network, such as the Internet. The digital receipt and the identifier corresponding to the digital receipt are then stored in the digital receipt server. The digital receipt server also receives an inquiry and an identifier corresponding to the inquiry, which are communicated from an issuer. The inquiry and the corresponding identifier may be communicated through the second network. Prior to this, the identifier is transmitted from the acquirer to the issuer, for example, through a first network such as an electronic funds transfer (“EFT”) network.