Push Transfer Threshold Validation to Reduce Payment Messages
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Solution Overview
Problem
Existing pull transactions require multiple messages for authorization and clearing, consuming computing resources and time.
Innovation Solution
Implementing a method where a receiver entity computer processes a first push transfer message, determines if the value exceeds a threshold, and sends a response message declining or adjusting the transaction, followed by a second message for approval, reducing the number of messages required.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If multiple messages are used for authorization and clearing in pull transactions, then transaction reliability is improved, but message quantity and processing time increase
Solution Approach 1:
The patent combines authorization and clearing operations into a single push transfer message exchange. Instead of using separate authorization and clearing messages as in traditional pull transactions, the receiver entity computer initiates a push transfer that accomplishes both authorization and value transfer in one operation, eliminating the need for multiple message exchanges while maintaining transaction reliability
2Reliability
If multiple messages are exchanged between originator and authorizing entity computer, then transaction completeness is improved, but computing resource consumption increases
Solution Approach 1:
The patent merges multiple transaction operations into a single push transfer message. The receiver entity computer sends one message that includes both the authorization request and the value transfer, eliminating the need for separate authorization and clearing messages. This reduces computing resource consumption by processing fewer messages while ensuring transaction completeness through the integrated operation
3Manufacturing precision
If the receiver entity computer processes and adjusts transaction values, then transaction accuracy is improved, but message exchange complexity increases
Solution Approach 1:
The receiver entity computer performs preliminary processing of the push transfer message by determining whether the value exceeds a threshold before initiating the transfer. This preliminary action ensures transaction accuracy by validating the value upfront, while the message exchange remains simple because the validation logic is embedded in the receiver's processing rather than requiring additional complex message exchanges
Data Source
AI summary
A method is disclosed. The method includes receiving, by a receiver entity computer from a network processing computer, a first push transfer message comprising a credential and a value. The method includes determining that the value exceeds a threshold, transmitting, to the network processing computer, a first response message comprising a record value associated with a record maintained by the receiver entity computer, and an indicator declining the first push transfer message. The method also includes receiving, from the network processing computer, a second push transfer message comprising the record value or another value less than the record value, and transmitting, to the network processing computer, a second response message comprising an approval indicator.