Mobile App Push Messages for Declined Transaction Authorization
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Solution Overview
Problem
Existing electronic commerce systems face challenges in resolving point of sale transaction declines in real-time, particularly due to suspected fraud, insufficient funds, or account status issues, which often require manual intervention by consumers, leading to delayed transaction completion.
Innovation Solution
A system and method that utilizes a mobile application to receive passively pushed messages, allowing transaction account holders to retry transactions or initiate communication with their issuer for authorization, using a unique device ID for secure verification and potential payment or customer service contact, thereby streamlining the resolution of declined transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If manual intervention is required for declined transactions, then security verification can be performed, but transaction completion time increases
Solution Approach 1:
The system performs preliminary actions by pre-establishing the mobile device association with the account holder and pre-configuring the authorization workflow. When a decline occurs, the system has already prepared the communication channel and verification mechanism, allowing immediate reauthorization without manual intervention delays.
Solution Approach 2:
The account holder performs self-service by receiving the passively pushed message on their mobile device and providing authorization directly through the application. This eliminates the need for manual intervention by customer service representatives while maintaining security verification through the pre-associated device.
2Reliability
If traditional reauthorization methods are used, then transaction security is maintained, but user convenience decreases
Solution Approach 1:
The system enables self-service by allowing the account holder to authorize the retransaction directly through their mobile device application. The pre-associated device and automated message pushing eliminate the need for manual customer service interaction, significantly improving ease of operation while maintaining security through the established device-account relationship.
Solution Approach 2:
The mobile device application serves as an intermediary between the account holder and the transaction system. It receives passively pushed messages, presents authorization options to the user, and transmits authorization decisions back to the processor, providing a convenient user interface while maintaining secure communication channels.
3Object-affected harmful factors
If multiple verification steps are implemented, then fraud detection capability improves, but system complexity increases
Solution Approach 1:
The system performs fraud detection verification in advance by establishing the unique association between the mobile device and account holder before the transaction decline occurs. This preliminary binding of device to account creates a trusted relationship that simplifies subsequent fraud detection, as the system already has verified device characteristics stored for comparison.
Data Source
AI summary
A system and method for remediation, curing concerns, and transferring information associated with declined transactions is disclosed. The present disclosure generally relates to receiving, by an application of a transaction account holder web client, a first passively pushed message, in response to a declined first attempt of a transaction request transmitting, by the transaction account holder web client, a response to the first passively pushed message; receiving, by an application of the transaction account holder web client, a second passively pushed message, in response to the response to the first passively pushed message meeting pre-established criteria; and transmitting, by the transaction account holder web client, a second attempt of the transaction request, wherein the second attempt is authorized.