Prototype Authorization Messaging for Transaction Capability Checks
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Solution Overview
Problem
Resource providers face challenges in determining the capabilities of unfamiliar authorization providers for conducting transactions, leading to inefficiencies and burdens on both the provider and consumer due to the need for extensive data collection and potential transaction failures.
Innovation Solution
A system and method using prototype messaging to assess authorization provider capabilities by generating a populated prototype message template with specific transaction details, which is sent to the authorization provider for response evaluation, allowing the service provider to determine if the transaction is feasible without requiring extensive upfront data from the consumer.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If resource providers collect extensive data from consumers to determine authorization provider capabilities, then transaction feasibility can be accurately assessed, but the burden and time required for data collection increases
Solution Approach 1:
The system performs preliminary capability assessment by sending prototype messages to authorization providers before actual transactions occur. This allows the resource provider to determine whether an authorization provider can handle a transaction type without requiring extensive data collection from consumers, as the prototype message test is conducted in advance.
Solution Approach 2:
The system uses prototype messages that replicate the structure and requirements of actual transaction messages. By sending these simplified prototype messages to authorization providers, the system can assess capabilities without needing to collect all the extensive consumer data that would be required for real transactions, thus reducing the time and burden of data collection.
2Reliability
If resource providers obtain detailed transaction information from consumers to assess authorization capabilities, then transaction compatibility can be determined, but the operational burden on resource providers increases
Solution Approach 1:
The system creates prototype messages that are simplified copies of actual transaction messages. These prototype messages contain only the essential structure needed to assess authorization capabilities, allowing resource providers to determine transaction compatibility without obtaining detailed consumer information, thus reducing operational burden.
Solution Approach 2:
The prototype message acts as an intermediary between the resource provider and authorization provider. It translates the resource provider's need to assess capability into a standardized message format that can be sent without requiring direct collection of extensive consumer data, thereby reducing the operational burden on resource providers.
3Reliability
If resource providers send detailed transaction requests to authorization providers, then accurate capability assessment is achieved, but the complexity of the interaction increases
Solution Approach 1:
The system segments the capability assessment process into a separate, standardized phase using prototype messages. This segmentation allows accurate capability assessment to be performed independently from actual transactions, using simplified message structures that reduce the complexity of interactions between resource providers and authorization providers.
Data Source
AI summary
Described herein are systems and techniques in which a service provider may determine one or more capabilities of an authorization provider. To do this, the service provider may, upon receiving a request to determine authorization provider capabilities that includes at least an account identifier and an indication of a transaction type, identify a prototype message template associated with the indicated transaction type from a plurality of prototype transaction templates. The service provider may then overwrite a number of default data values with data values specific to the transaction to generate a prototype message for the transaction, which it may then send to the authorization provider. Upon receiving a response from the authorization provider, the service provider may determine whether the authorization provider is capable of conducting a transaction of the indicated transaction type based on information included within the received response.