Payment Message Routing via Gateway-Based Capacity Matching
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Solution Overview
Problem
Existing message routing systems in computer networks face high transaction costs due to complex negotiations and redundant network relationships, leading to wasted capacity and inefficient capacity utilization among buyers and sellers of message processing services.
Innovation Solution
A message gateway system (MGS) that facilitates matching and routing of payment messages between buyers and sellers by receiving offers, establishing message routes, and managing service agreements, thereby reducing redundant capacity and transaction costs.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of manufacture
If traditional message routing negotiations are used between buyers and sellers, then service agreements can be established, but transaction costs become excessively high and the process becomes complex
Solution Approach 1:
The patent introduces a message gateway system as an intermediary that automates the matching and routing of message processing requests between buyers and sellers. This intermediary system eliminates the need for complex direct negotiations by providing automated capacity matching, route establishment, and service agreement management, thereby reducing transaction costs and simplifying the overall process while maintaining the ability to establish service agreements
2Reliability
If multiple redundant network relationships are maintained to ensure message routing capacity, then service reliability is improved, but capacity utilization becomes inefficient and wasted capacity increases
Solution Approach 1:
The patent implements dynamic capacity matching and routing that automatically adjusts message flow based on real-time capacity availability and demand. The system continuously monitors and reconfigures routing paths to optimize capacity utilization while maintaining service reliability, eliminating the need for static redundant relationships by providing flexible, on-demand capacity allocation through automated matching mechanisms
3Adaptability or versatility
If direct bilateral negotiations are used for each message routing arrangement, then service customization is possible, but transaction time and costs increase significantly
Solution Approach 1:
The patent implements preliminary capacity declaration and matching where buyers and sellers pre-declare their capacity requirements and availability to the message gateway system. The system then automatically matches compatible parties and establishes routes in advance, eliminating the need for time-consuming negotiations at the time of message routing while maintaining service customization through the preliminary matching process
Data Source
AI summary
A method for routing computer messages between parties is provided. The method is implemented using a message gateway computing system including a processor and a memory. The method includes receiving a message routing offer from a seller and representing an offer to process payment card transactions. The method also includes receiving a message routing request from a buyer. The method further includes first message route between the buyer party and a first seller party of the plurality of seller parties on a message processing network. The method also includes receiving a payment card transaction from the buyer party. The method further includes identifying the first message route associated with the payment card transaction. The method also includes transmitting the payment card transaction to the first seller party based at least in part on the first message route.