Integrated Transaction Authorization for Complete Recipient Information
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing transaction systems require consumers to provide additional information, such as shipping addresses and contact details, which can slow down the transaction process and increase back-end processing complexity for recipients.
Innovation Solution
A system that allows users to initiate transactions with supplemental information, like shipping addresses and contact details, directly from a mobile device, which is then transmitted through an authorization server to a transport computer, reducing the need for separate information sources.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users are required to provide additional information such as shipping addresses and contact details separately, then the recipient can obtain necessary transaction information, but the transaction process slows down and complexity increases
Solution Approach 1:
The patent combines multiple information sources into a single integrated message. The authorization server consolidates transaction approval information, supplemental information (such as shipping address and contact details), and permission indications into one unified authorization response message that is transmitted to the transport computer, eliminating the need for separate information gathering steps and reducing transaction processing time
Solution Approach 2:
The authorization server performs preliminary actions by determining transaction approval, identifying supplemental information values, and assembling the complete authorization response before transmission. This preliminary consolidation of information reduces the need for subsequent back-end processing and information matching operations
2Reliability
If supplemental information is obtained from separate sources, then the recipient can receive complete information, but back-end processing complexity increases
Solution Approach 1:
The system merges information from multiple sources into a single integrated message structure. The authorization response message combines transaction approval status, supplemental information values (shipping address, contact information), and permission indications, eliminating the need for complex back-end operations to match and correlate information from disparate sources
Solution Approach 2:
The authorization server acts as an intermediary that consolidates information from the mobile device and the transport computer into a unified authorization response. This intermediary role simplifies the overall system architecture by centralizing information assembly logic and reducing the processing burden on recipient systems
Data Source
Figure 1
Figure 2
Figure 3
AI summary
A system and a method in which supplemental information related to a first entity of a transaction is provided to a second entity of the transaction are provided. In a method conducted at an authorization server associated with the user, a transaction message including an amount associated with the transfer of funds, an account identifier of the recipient, and an access credential of the user is received from a mobile device of the user. In some embodiments, if a permission indication indicates that the requested supplemental information may be shared with the recipient, a transaction request message is generated including the amount, the account identifier and the requested supplemental information. A response message is transmitted for receipt by a transport computer associated with the recipient for processing the transaction and conditional forwarding of the requested supplemental information to the recipient.