Progressive Stand-In Processing with Value-Based Authorization Thresholds

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Solution Overview

Problem

In existing transaction systems, server computers automatically invoke stand-in processing rules when authorizing entity computers malfunction or experience delays, leading to potential authorization of fraudulent transactions due to lack of timely and accurate information.

Innovation Solution

A server computer system that determines if an authorization response from an authorizing entity exceeds a time threshold, generating a response on behalf of the authorizing entity for low-value transactions and waiting for responses from high-value transactions, thereby adjusting the number and type of messages sent to the authorizing entity based on its responsiveness.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If the server computer automatically invokes stand-in processing rules when the authorizing entity computer delays responding, then the system can make authorization decisions without the authorizing entity computer, but the server computer may approve transactions that would have been declined by the authorizing entity computer due to lack of recent information

Engineering Contradiction:

Improveauthorization decision speedVSAvoidauthorization accuracy

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The patent applies parameter changes by dynamically adjusting the threshold transaction amount based on the authorizing entity computer's responsiveness. When response time exceeds a threshold, the system lowers the amount threshold at which stand-in processing is invoked, transitioning from aggressive stand-in processing to more conservative processing as the authorizing entity becomes unresponsive.

Inventive Principle:

Principle #35Parameter changes

Solution Approach 2:

The system dynamically adapts its behavior by monitoring the authorizing entity computer's response time and adjusting the stand-in processing threshold accordingly. The threshold amount is not fixed but changes based on real-time performance metrics of the authorizing entity computer, allowing the system to optimize between speed and accuracy.

Inventive Principle:

Principle #15Dynamics

2Reliability

If the server computer waits for responses from high-value transactions even when the authorizing entity computer is delayed, then authorization accuracy is maintained, but transaction processing time increases

Engineering Contradiction:

Improveauthorization accuracyVSAvoidtransaction processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent uses parameter changes by adjusting the threshold amount based on response time metrics. When the authorizing entity computer responds slowly, the threshold is lowered so that only high-value transactions wait, while lower-value transactions proceed with stand-in processing, optimizing the balance between accuracy and time loss.

Inventive Principle:

Principle #35Parameter changes

3Productivity

If the server computer invokes stand-in processing for all transactions when the authorizing entity computer is unresponsive, then processing speed is improved, but the risk of fraudulent or incorrect authorizations increases

Engineering Contradiction:

Improvetransaction processing speedVSAvoidfraud risk

Core Design Contradiction:

ProductivityVSObject-affected harmful factors

Solution Approach 1:

The patent applies parameter changes by dynamically adjusting the threshold amount based on the authorizing entity computer's responsiveness. When response time exceeds a threshold, the system lowers the amount threshold at which stand-in processing is invoked, transitioning from aggressive stand-in processing to more conservative processing as the authorizing entity becomes unresponsive.

Inventive Principle:

Principle #35Parameter changes

Solution Approach 2:

Inventive Principle:

Principle #15Dynamics

Data Source

PatentUS20250247399A1Progressive stand in processing

Publication Date: 2025.07.31 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

A method is disclosed. The method includes receiving from a resource provider computer, an authorization request message with a value for a transaction. The method includes transmitting the authorization request message comprising the value to an authorizing entity computer, and determining that an authorization response message in reply to the authorization request message has not been received, and that a time since the authorization request message was transmitted exceeds a time threshold. If the value in the authorization request message is below or equal to a value threshold, the server computer generates an authorization response message on behalf of the authorizing entity computer and transmits it to the resource provider computer. If the value in the authorization request message is above the value threshold, then the server computer continues to wait for an authorization response message from the authorizing entity computer.