Issuing Processor Aggregation via Unified Card Data Interfaces
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Solution Overview
Problem
Existing systems face difficulties in interfacing with multiple issuing processors due to varying data formats, functionalities, and network connections, making it challenging to manage card transactions and operations across different card networks.
Innovation Solution
An issuing processor aggregator operates as middleware, translating data between various issuing processors and a uniform interface using issuing processor integration interfaces (IPIFs) to standardize data formats and enable seamless communication, facilitating card management and exchange processing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple issuing processors are interfaced directly with varying data formats, then each processor can be connected, but the system complexity increases and transaction processing efficiency decreases
Solution Approach 1:
The patent introduces an intermediary layer (unified interface/API gateway) between multiple issuing processors and the card management system. This intermediary standardizes data formats and communication protocols, allowing the system to interface with multiple processors without increasing complexity. The intermediary translates varying processor-specific formats into a unified internal format, resolving the contradiction between adaptability and system complexity.
Solution Approach 2:
The patent implements a universal interface layer that can handle multiple issuing processors through a single standardized API. This universal interface performs multiple functions including data translation, format standardization, and protocol adaptation, enabling the system to work with various processors without creating separate integration paths for each one.
2Adaptability or versatility
If data translation is performed for each transaction across multiple issuing processors, then data compatibility is achieved, but transaction processing time increases
Solution Approach 1:
The patent implements preliminary action by pre-establishing translation rules, data format mappings, and communication protocols in the unified interface layer before transactions occur. Data format standards and translation dictionaries are prepared in advance, allowing rapid translation during actual transactions without performing complex real-time conversions, thus reducing transaction processing time while maintaining data compatibility.
3Productivity
If a unified interface is implemented to standardize data formats, then transaction processing efficiency improves, but the initial system setup complexity increases
Solution Approach 1:
The patent applies segmentation by dividing the system into distinct modular components: the unified interface layer, the card management system, and individual issuing processor interfaces. Each component is independently configurable and can be implemented separately. This modular architecture allows the unified interface to be developed, tested, and deployed as an independent module, reducing the perceived complexity of initial system setup while enabling high transaction processing efficiency.
Data Source
AI summary
Systems, methods, and computer-readable storage media for issuing processor aggregation are provided. Issuing processor integration interfaces can be specific to a corresponding issuing processor systems. Each issuing processor integration interface can include one or more issuer entities for card data, the card data for card creation and management within the corresponding issuing processor system. The issuer entities can be for customer data specific to the corresponding issuing processor system, and for credentials for an issuer account. One or more card records can correspond to resources for instantiating a card, modifying functionality of the card, and managing cards. Cards can be operable with a card network through an issuing processor system. Uniform receiving of data from and transmitting of data to the plurality of issuing processor systems is further provided.