Promotion Eligibility Server with Local PSP Filtering
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Solution Overview
Problem
Existing payment service provider (PSP) systems fail to timely inform customers of promotions applicable to their accounts, leading to missed opportunities, and current methods for determining promotion eligibility result in high transaction volumes and scalability issues.
Innovation Solution
A server and method are introduced to receive promotion API calls directly from PSP devices, determining account eligibility for promotions by filtering eligible transactions before forwarding them to the promotion platform, reducing unnecessary processing and improving customer experience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of information
If the PSP forwards transaction requests to the payment facilitator to check for promotions, then the customer may be informed of applicable promotions, but the high volume of transaction requests makes the solution impractical and not scalable
Solution Approach 1:
The system performs preliminary action by pushing promotion information to the PSP before transaction requests are generated. The promotion service provider maintains a promotion information table and actively pushes relevant promotion data to participating PSPs, enabling them to locally determine promotion eligibility without needing to query the payment facilitator for each transaction.
Solution Approach 2:
The invention extracts the promotion checking function from the payment facilitator and places it at the PSP level. By giving PSPs the capability to independently determine promotion eligibility using locally stored promotion information, the system removes the bottleneck of centralized promotion checking and enables scalable transaction processing.
2Ease of operation
If the PSP or user device forwards transaction requests to the payment network server to determine account eligibility for promotions, then promotion options may be offered to customers, but this causes a huge volume of unnecessary traffic on the payment facilitator server and promotion platform
Solution Approach 1:
The system performs preliminary action by pushing promotion information to the PSP before transaction requests are generated. The promotion service provider maintains a promotion information table and actively pushes relevant promotion data to participating PSPs, enabling them to locally determine promotion eligibility without needing to query the payment facilitator for each transaction.
Solution Approach 2:
The PSP performs self-service by independently determining promotion eligibility using locally stored promotion information and account details from the transaction request. The PSP compares the account information against the promotion criteria locally and directly provides promotion options to the customer without involving the payment facilitator or promotion platform, thereby eliminating unnecessary network traffic.
Data Source
AI summary
In one aspect, there is provided a server for determining if an account in a transaction request is eligible for a promotion, the server operatively connected to a Payment Service Provider (PSP) device, and the server comprising at least one processor; and at least one memory including computer program code; the at least one memory and the computer program code configured to, with the at least one processor, cause the server at least to receive, directly from the PSP device, a promotion Application Programming Interface (API) call comprising a transaction request corresponding to a user, the transaction request indicating an account information of an account, the promotion API call established through a connectivity between the PSP device and the server; and determine if the account indicated in the transaction request is one that is eligible for a promotion transaction in response to the receipt of the transaction request.