Network Gateway Transaction Request Revision for Personalized Offers
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Conventional online transaction processing systems require POS devices to issue both an initial and a subsequent transaction request to the acquirer, making it difficult to implement solutions that offer personalized advertisements based on consumer preferences, as they cannot be supported by existing POS devices.
Innovation Solution
A method where a network gateway generates a revised transaction request with a cryptogram associated with an identity token, allowing for personalized transaction processing by deriving and adjusting transaction messages and cryptograms, enabling the inclusion of offers like discounts or loyalty points without requiring POS devices to handle multiple requests.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If the POS issues both an initial transaction request and a subsequent selected transaction request to the acquirer, then personalized advertisements based on consumer preferences can be provided, but the device complexity and operational complexity increase beyond existing POS device capabilities
Solution Approach 1:
The patent extracts the complex transaction request generation and modification logic from the POS device and relocates it to a centralized server system. The POS device only needs to send the initial transaction request, while the server handles generating the revised transaction request with personalized offers, thereby reducing POS device complexity while maintaining personalized advertisement capability
Solution Approach 2:
The patent introduces a server as an intermediary between the POS device and the acquirer. This intermediary receives the initial transaction request, generates the revised transaction request with personalized offers, and forwards it to the acquirer. This mediator handles the complexity of personalized offer generation without requiring the POS device to have advanced capabilities
2Adaptability or versatility
If a centralized server provides transaction scenarios based on consumer preference profiles, then personalized advertisements can be presented, but existing POS devices cannot implement this solution
Solution Approach 1:
The patent designs the server system to universally handle multiple functions: receiving initial transaction requests, accessing consumer preference profiles, generating personalized offers, creating revised transaction requests, and coordinating with the acquirer. This centralized multi-functional system makes personalized transactions accessible across different POS devices without requiring each POS to have specialized capabilities
Solution Approach 2:
The server system automatically accesses consumer preference profiles and generates personalized transaction scenarios without requiring manual configuration at the POS device. The system self-services by autonomously matching consumers with relevant offers and seamlessly integrating them into the transaction flow, making the solution easy to operate across existing POS infrastructure
Data Source
AI summary
A computer server includes a processor that is configured to receive an incoming authorization request that includes an original numeric value and an identification number, and locate a profile that is associated with the identification number. The located profile includes at least one adjustment criterion. The processor is configured to determine a primary numeric value and a secondary numeric value from the original numeric value and the adjustment criterion, confirm that the secondary numeric value is not greater than a balance value in a loyalty points account associated with the identification number, and reduce the balance value in the loyalty points account by the secondary numeric value. The processor is configured to, after confirming the secondary numeric value, generate a revised authorization request and transmit the revised authorization request to an authorization server. The revised authorization request includes the identification number and the primary numeric value.