Direct Service Access Bridge for Cross-Network Payment Authorization
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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 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.
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 to different payment networks deteriorate
Solution Approach 1:
The patent introduces a network services bridge as an intermediary component that sits between the home payment network and off-network services. This bridge translates and routes service requests between different payment networks, enabling service accessibility across networks while isolating the core service platforms from direct exposure to multiple network protocols and complexities.
Solution Approach 2:
The system architecture is segmented into distinct functional layers: the home payment network layer, the network services bridge layer, and the off-network services layer. This segmentation allows each layer to operate independently with well-defined interfaces, reducing overall system complexity while enabling cross-network service access.
2Adaptability or versatility
If payment services are extended to off-network transactions, then service accessibility and versatility improve, but system complexity and integration difficulty increase
Solution Approach 1:
The network services bridge is designed as a universal intermediary that can handle multiple types of service requests from different payment networks. It provides multi-functional capabilities including service discovery, request routing, protocol translation, and response aggregation, thereby supporting service versatility across various payment networks without requiring separate integration solutions for each network.
Solution Approach 2:
The bridge acts as a universal mediator that abstracts the complexities of different payment network protocols and service interfaces. By providing a standardized interface layer, it enables service versatility while hiding integration complexity from both the service providers and the payment networks.
3Reliability
If multiple service platforms are queried for each transaction, then service completeness and customer satisfaction improve, but processing time and system response delay increase
Solution Approach 1:
The system performs preliminary actions by pre-discovering and caching available services from multiple service platforms before actual transactions occur. The network services bridge maintains an updated registry of services and their capabilities, so when a transaction occurs, it can quickly determine which services to query without performing full service discovery in real-time, thus maintaining service completeness while reducing processing time.
Solution Approach 2:
The bridge dynamically changes query parameters based on transaction context, such as adjusting which service platforms to query, what service parameters to request, and the depth of service evaluation. This selective querying approach maintains service completeness by evaluating necessary services while reducing processing time by avoiding unnecessary queries and data retrieval.
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.