Payment Network Product Authentication via Authorization Message
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current systems for authenticating products during electronic transactions are insecure, as they rely on payment completion before authenticity verification, making it difficult to prevent counterfeit sales and delay enforcement actions, especially in cases where payment has already been made.
Innovation Solution
Integrating product authentication into the payment authorization process by including a product identifier in the authorization request message, which is verified in real-time, allowing for immediate approval or decline of transactions based on the product's authenticity, thereby preventing fraudulent transactions and enabling timely enforcement.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If product authentication is performed after payment completion, then payment processing is simple and fast, but security is compromised and counterfeit sales cannot be prevented
Solution Approach 1:
The patent merges product authentication with the payment authorization process by integrating the product identifier verification into the existing authorization request message flow. The authentication system is combined with the payment network infrastructure, allowing both payment validation and product authenticity verification to occur simultaneously within a single integrated process, rather than as separate sequential steps.
Solution Approach 2:
The patent performs product authentication in advance during the authorization phase, before payment is completed. By including the product identifier in the authorization request and verifying it against a database of authentic products beforehand, the system prevents counterfeit transactions from being approved, making the authentication action preliminary to the actual payment execution.
2Reliability
If product authentication is integrated into payment authorization, then counterfeit sales are prevented, but transaction processing time increases
Solution Approach 1:
The patent maintains continuous transaction processing flow by integrating authentication verification into the existing authorization message exchange. The system continuously validates product identifiers against the authentic products database without interrupting the authorization workflow, allowing verification to occur in parallel with rather than sequentially after the main processing steps.
Solution Approach 2:
The patent replaces manual or separate physical authentication processes with an automated electronic verification system. The product identifier is automatically extracted from the authorization message, electronically transmitted to or verified against the authentication database, and results are automatically processed to approve or decline the transaction, eliminating time-consuming manual verification steps.
3Reliability
If product identifier is included in authorization message, then authentication is enabled, but message complexity and data transmission load increase
Solution Approach 1:
The patent makes the authorization message structure multi-functional by incorporating the product identifier field that serves dual purposes: it enables product authentication verification while also maintaining compatibility with existing payment authorization protocols. The message structure is designed to handle both traditional payment data and product verification data within a unified framework.
Solution Approach 2:
The patent modifies the authorization message parameters by adding the product identifier field and updating the message format to include authentication-related data elements. This parameter change enables the system to transmit both payment information and product verification information through the existing message infrastructure without requiring a complete redesign of the communication protocol.
Data Source
AI summary
Systems and methods are provided for authenticating a product over a payment network. A product identifier associated with a product to be authenticated may be included or appended to a conventional authorization request message or clearing message during processing of a payment transaction. The product identifier can be verified at a verification entity to determine whether the product is real or counterfeit. Authorization or settlement of the payment transaction can be approved/processed if the product is determined to be real. Authorization or settlement of the payment transaction can be declined/withheld if the product is determined to be counterfeit.