Parallel Transaction Processing Groups for Card Issuer Systems

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Solution Overview

Problem

High-speed, distributed transaction processing systems are sensitive to network outages and failures, leading to repeated timeouts, unnecessary resource consumption, and inefficiencies in processing high-volume transactions within tight time limits.

Innovation Solution

The system organizes components of the card processing protocol into groups based on dependencies, allowing for parallel processing during idle periods, thereby optimizing resource utilization and reducing processing time.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If the system processes transactions sequentially to ensure reliability and handle network outages, then system reliability is improved, but processing speed and throughput deteriorate

Engineering Contradiction:
Improvesystem reliabilityVSAvoidprocessing speed
Core Design Contradiction:
ReliabilityVSProductivity

Solution Approach 1:

The transaction processing protocol is divided into multiple independent components or stages. Each component can be processed separately and in parallel where possible, while maintaining proper sequencing for dependent operations. This segmentation allows the system to achieve both reliability through controlled processing and improved throughput via parallel execution of independent tasks.

Inventive Principle:
Principle #1Segmentation

2Measurement precision

If the system waits for responses from all distributed systems to ensure complete transaction validation, then validation accuracy is improved, but processing time increases beyond the seven-second limit

Engineering Contradiction:
Improvevalidation accuracyVSAvoidprocessing time
Core Design Contradiction:
Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary validation checks and processing steps before the seven-second deadline expires. By anticipating which validations are critical and completing them first, the system ensures high validation accuracy for essential checks while completing the overall process within the time constraint. Less critical validations can be performed asynchronously or with relaxed timing requirements.

Inventive Principle:
Principle #10Preliminary action

3Reliability

If the system implements protective measures against network outages such as repeated request attempts, then system reliability is improved, but resource consumption increases

Engineering Contradiction:
Improvesystem reliabilityVSAvoidresource consumption
Core Design Contradiction:
ReliabilityVSLoss of energy

Solution Approach 1:

Instead of implementing exhaustive protective measures for all possible failure scenarios, the system applies targeted protective measures only where most beneficial. Retry logic is implemented selectively for critical operations, while less critical operations use simpler error handling. This partial approach maintains adequate reliability while significantly reducing unnecessary resource consumption from excessive retry attempts and error handling overhead.

Inventive Principle:
Principle #16Partial or excessive action

Data Source

PatentUS12271901B2Parallel processing in idle states of a transaction processing protocol
Publication Date: 2025.04.08 MARQETA INC
  • US12271901B2 patent drawing
  • US12271901B2 patent drawing
  • US12271901B2 patent drawing

AI summary

Server computers of card issuer-processors can determine a mapping of dependencies of a plurality of components of a card processing protocol and create groups of components that can be executed in parallel. The groups of the components are sequentially processed within a limited time period.