Dual Message Model for Authorization Cancellation in Distributed Networks
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Solution Overview
Problem
Managing and monitoring authorization requests for protected resources across large, distributed networks is challenging, especially when transmission errors occur and mid-process cancellations are required.
Innovation Solution
Implementing a dual message model in a distributed environment, where a reversal request message with cancellation data is generated and processed through a processor computer and transport computer, enabling network monitoring and reconciliation of authorization status.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a dual message model with reversal requests is implemented to enable mid-authorization cancellations, then authorization status reconciliation is improved, but device complexity increases
Solution Approach 1:
The authorization process is segmented into distinct message types (authorization requests, reversal requests, cancellation messages) that can be independently processed and tracked. This segmentation allows the system to handle cancellations as separate, manageable units rather than complex state changes, improving reliability while controlling complexity through modular message handling.
Solution Approach 2:
The processor computer acts as an intermediary that receives reversal requests, generates appropriate cancellation messages, and coordinates between the access device and transport computer. This intermediary role simplifies the overall system complexity by centralizing the message generation logic while ensuring reliable authorization status reconciliation across the distributed network.
2Loss of information
If cancellation data is batched and processed after reversal reply receipt, then loss of information is reduced, but loss of time increases
Solution Approach 1:
The system performs preliminary actions by collecting and batching cancellation data during the authorization process, preparing it for subsequent processing. This preliminary data collection ensures that when the reversal reply is received, all necessary cancellation information is already organized and ready for efficient processing, minimizing both information loss and processing delays.
Solution Approach 2:
The batching process maintains continuity by continuously collecting cancellation data throughout the authorization lifecycle rather than processing it immediately upon generation. This continuous collection approach ensures no cancellation information is lost while allowing efficient batch processing to minimize overall delay when the reversal is confirmed.
Data Source
AI summary
Embodiments of the disclosure are directed to methods, apparatuses, computer-readable media, and systems for network monitoring of communication requests for authorization to an access device. One embodiment is directed at dual message model in a distributed environment with an electronic access device receiving a cancellation signal and generating and sending a reversal message with cancellation information embedded in the data elements of the reversal message to a processor computer, where the cancellation data may be read and saved by the processor computer before the authorization request message is forwarded to be authorized by an authorization entity. The method further comprises generating a cancellation message after the reversal message has processed, where the cancellation message is sent via a transport computer to clear and reconcile the authorization status of the cancelled authorization request with any necessary authorizing or regulatory entities in the network.