Payment Token Linking for Automated Transaction Adjustment

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Solution Overview

Problem

Current systems for payment transaction processing are inefficient due to increased network traffic and processing time caused by human error and the need for additional message verification when adjusting payment amounts, particularly when secondary devices are involved.

Innovation Solution

A system that includes a processor configured to identify a token corresponding to a primary account number, transmit a request message with transaction data and the token to an employer system, and adjust payment transaction parameters based on received transaction adjustment data, thereby reducing the need for additional message verification and minimizing network traffic.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Measurement precision

If additional message verification is performed when adjusting payment amounts, then payment transaction accuracy is improved, but network traffic increases and processing time increases

Engineering Contradiction:

Improvepayment transaction accuracyVSAvoidprocessing time

Core Design Contradiction:

Measurement precisionVSLoss of time

Solution Approach 1:

The system performs preliminary action by automatically determining payment adjustments based on pre-established employer benefit rules and employee account data before the payment transaction is finalized. The employer system pre-calculates adjustment amounts based on stored benefit information, eliminating the need for real-time manual verification and reducing processing time while maintaining accuracy through automated rule-based determination.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system implements self-service by enabling the employer system to automatically determine and communicate payment adjustments without requiring manual intervention. The employer system self-determines adjustment amounts by comparing transaction data against stored benefit rules, and the processor automatically applies these adjustments, creating a self-serving automated process that reduces both time and human error.

Inventive Principle:

Principle #25Self-service

2Measurement precision

If additional message verification is performed when adjusting payment amounts, then payment transaction accuracy is improved, but network traffic increases

Engineering Contradiction:

Improvepayment transaction accuracyVSAvoidnetwork traffic

Core Design Contradiction:

Measurement precisionVSLoss of energy

Solution Approach 1:

The system performs preliminary action by pre-storing employer benefit rules and employee account data in databases before transactions occur. When a payment transaction requires adjustment, the system retrieves pre-established rules and automatically applies them, eliminating the need for extensive real-time verification messages and reducing network traffic while maintaining accuracy through automated rule-based processing.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system uses copying by creating a token representation of the employee's payment account information and benefit entitlements. This token is transmitted to the employer system, which uses the copied information to automatically determine adjustments without requiring repeated verification messages, thereby reducing network traffic while maintaining data accuracy.

Inventive Principle:

Principle #26Copying

3Reliability

If manual verification of secondary devices is performed, then payment transaction security is improved, but processing time increases

Engineering Contradiction:

Improvepayment transaction securityVSAvoidprocessing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system replaces the mechanical manual verification process with an automated electronic system. Instead of manually verifying secondary devices, the system automatically identifies employees through their payment account information, retrieves their benefit entitlements from databases, and processes adjustments electronically. This substitution maintains security through automated authentication while dramatically reducing processing time.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The system implements self-service by enabling automatic identification and verification of employees and their benefit entitlements without manual intervention. The employer system automatically determines adjustment amounts based on pre-stored benefit rules and employee data, eliminating the need for manual device verification while maintaining security through automated authentication mechanisms.

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS11636490B2System, method, and computer program product for linking accounts across systems

Publication Date: 2023.04.25 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

Provided are computer-implemented methods for linking accounts across systems which may include receiving an authorization request message including transaction data associated with a payment transaction and a primary account number (PAN); identifying a token corresponding to the PAN; transmitting a request message comprising at least a portion of the transaction data associated with the payment transaction and the token to at least one employer system, wherein the at least one employer system is associated with at least one employer institution; and receiving, from the at least one employer system, at least one response message comprising transaction adjustment data associated with an adjustment to the payment transaction. Methods may also include adjusting at least one parameter of the payment transaction based at least partially on the transaction adjustment data. Systems and computer program products are also provided.