Dynamic Payment Token Mapping for Multi-Sub-Account Routing
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Solution Overview
Problem
Conventional systems for managing payment card accounts lack flexibility and efficiency due to hardware and software limitations, particularly in processing transactions involving multiple sub-accounts, leading to restricted token mapping functions and rigid processing pipelines.
Innovation Solution
A dynamic token mapping system that predicts transaction characteristics based on previous transaction data, remaps tokens accordingly, and routes future transactions through the most suitable processing pipeline, enhancing flexibility and efficiency by utilizing machine-learning models and existing payment network protocols.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If conventional systems are used to manage payment card accounts, then system simplicity is maintained, but flexibility and efficiency in processing transactions involving multiple sub-accounts deteriorate
Solution Approach 1:
The system segments the payment card account into multiple sub-accounts (e.g., credit sub-account, debit sub-account, savings sub-account), each capable of being independently mapped to tokens. This segmentation enables flexible routing of transactions to appropriate sub-accounts based on predicted characteristics, resolving the contradiction by providing adaptability through structured division rather than monolithic account management
Solution Approach 2:
The system dynamically remaps tokens to different sub-accounts based on predicted transaction characteristics. Instead of static token mapping, the system uses machine learning models to predict future transaction attributes and proactively remap tokens before transactions occur, enabling flexibility while maintaining system manageability through automated dynamic adjustment
2Productivity
If conventional systems process transactions, then processing stability is maintained, but processing speed and efficiency deteriorate due to rigid pipelines
Solution Approach 1:
The system performs preliminary actions by predicting transaction characteristics before the actual transaction occurs and proactively remapping tokens in advance. This preliminary token remapping based on predicted attributes eliminates the need for complex real-time routing decisions during transaction processing, thereby improving efficiency and reducing processing time while maintaining stability
3Adaptability or versatility
If token mapping is restricted to conventional functions, then system security is maintained, but adaptability to different transaction types deteriorates
Solution Approach 1:
The system introduces an intermediary machine learning model that acts as a mediator between the token mapping system and transaction processing. This intermediary predicts transaction characteristics and determines optimal token mappings without exposing the core security infrastructure, enabling enhanced adaptability while maintaining security through layered architecture where the ML model handles decision-making without direct access to sensitive token data
Data Source
AI summary
This disclosure describes methods, non-transitory computer readable storage media, and systems that dynamically map tokens according to predicted characteristics of the transaction. Specifically, the disclosed system accesses information associated with a payment account including characteristics of previous transactions associated with the payment account, which corresponds to a plurality of separate sub-accounts (e.g., a debit account and a credit account). The disclosed system determines predicted transaction characteristics for the next future transaction based on the information associated with the payment account. Furthermore, the disclosed system generates a request to a payment network to re-map a token associated with the payment account in connection with a selected sub-account according to the predicted transaction characteristics and a set of rules. The disclosed system also processes a subsequent transaction routed based on the re-mapped token in connection with the selected sub-account.