Direct Service Access Bridge for Off-Network Payment Services
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Solution Overview
Problem
Existing payment systems only allow transaction enrichment services to be applied to transactions performed over the 'home' payment network, limiting their accessibility to transactions originating on different payment networks.
Innovation Solution
A network services bridge computing system with a direct service access (DSA) platform that facilitates the application of off-network payment services by querying a registered services database, transmitting request data signals to multiple platforms, and consolidating response codes based on the results, enabling the processing of transactions across different payment networks.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If payment services are restricted to the home payment network only, then system complexity is reduced and service reliability is maintained, but service accessibility and adaptability deteriorate as transactions increasingly occur across different payment networks
Solution Approach 1:
The patent introduces an intermediary system that acts as a mediator between the home payment network and off-network services. This intermediary receives authorization requests from the home network, routes them to appropriate off-network services platforms, and consolidates responses back to the home network. This mediator architecture enables cross-network service accessibility without requiring the home network itself to become complex, thus resolving the contradiction between service accessibility and system complexity.
2Adaptability or versatility
If payment services are extended to off-network transactions, then service accessibility and adaptability improve, but system complexity and processing time increase due to multiple platform interactions
Solution Approach 1:
The patent implements preliminary action by having the intermediary system pre-establish service mappings and routing configurations between the home network and various off-network services platforms. Service registrations and capability mappings are performed in advance, so when authorization requests are received, the intermediary can quickly route them through pre-configured paths rather than discovering services in real-time. This preliminary setup reduces processing time while maintaining extended service accessibility.
Solution Approach 2:
The patent merges multiple off-network service responses into a single consolidated authorization response. The intermediary system receives responses from multiple different services platforms, combines them according to predefined logic, and presents a unified response to the home network. This merging process reduces the time the home network needs to wait for service evaluations, as it receives one consolidated response rather than needing to process multiple separate responses sequentially.
3Adaptability or versatility
If multiple services platforms are queried for each authorization request, then service coverage and adaptability improve, but device complexity and processing overhead increase
Solution Approach 1:
The patent applies segmentation by dividing the service evaluation process into distinct phases: the intermediary system segments the task of querying multiple services platforms by managing them in organized groups or batches. Instead of querying all services simultaneously for every request, the intermediary segments the service platforms based on relevance, transaction type, or priority, and queries them in an optimized sequence. This segmentation reduces processing overhead while maintaining comprehensive service coverage.
Solution Approach 2:
The patent implements partial action by having the intermediary system query only the necessary subset of services platforms for each authorization request rather than all available services. Based on transaction characteristics, the intermediary determines which services are relevant and queries only those, leaving out excessive or unnecessary service evaluations. This partial querying approach maintains adequate service coverage while significantly reducing processing overhead and system complexity.
Data Source
AI summary
A network services bridge system including a direct service access (“DSA”) platform is provided. The DSA platform includes a processor configured to receive a request data signal including one or more identifiers, and query a registered services database using the one or more identifiers, where the query returns an identification of a plurality of services for which the one or more identifiers is registered. The processor is also configured to receive, from a first services platform, a first services result signal indicating a result of an application of a first service to the request data signal, receive, from a second services platform, a second services result signal indicating a result of an application of a second service to the request data signal, and transmit a response data signal that includes a consolidated response code indicating whether the authorization process should be completed based on the first and second result signals.