Round-Trip Identifier Communication for Payment Processing

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Solution Overview

Problem

Electronic payment processing networks face challenges in processing add-on transactions, such as loyalty rewards and benefit redemptions, without compromising the performance of core functionalities.

Innovation Solution

A system that uses a round-trip communication of identifiers to facilitate the activation of offers and resources across multiple computer systems, allowing for efficient processing of transactions and resource allocation without increased workload on the processing system.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If the system processes add-on transactions (loyalty rewards, benefit redemptions) alongside core payment transactions, then the functionality and versatility of the payment processing network is improved, but the computing workload and system complexity increase

Engineering Contradiction:

Improvetransaction processing capabilityVSAvoidsystem complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system segments transaction processing into core payment transactions and add-on transactions, handling them through separate but coordinated pathways. The add-on transaction processor is distinct from the core payment processor, allowing independent optimization and reducing overall system complexity while maintaining versatility.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system introduces intermediary components including a transaction initiator, transaction authorizer, and offer processor that mediate between core payment processing and add-on transaction processing. These intermediaries enable sophisticated transaction types without requiring the core processing system to be redesigned.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Adaptability or versatility

If the system processes add-on transactions coupled with conventional electronic payment transactions, then the functionality of the payment network is improved, but the performance of core functionalities may be compromised

Engineering Contradiction:

Improvetransaction processing capabilityVSAvoidcore functionality performance

Core Design Contradiction:

Adaptability or versatilityVSProductivity

Solution Approach 1:

The system separates add-on transaction processing from core payment processing into distinct modules. The add-on transaction processor handles loyalty rewards and benefit redemptions independently, preventing these additional processing requirements from impacting the throughput and performance of core payment transactions.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs preliminary actions by pre-processing and validating add-on transaction components before they are coupled with core payment transactions. This includes pre-authorizing offers and pre-validating add-on transaction data, so that when transactions are processed together, the core payment processing is not delayed or complicated.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS11995656B2Systems and methods to set up an operation at a computer system connected with a plurality of computer systems via a computer network using a round trip communication of an identifier of the operation

Publication Date: 2024.05.28 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

Systems and methods to activate the processing of an allocated resource in operations with a processing system by the use of a round trip communication of the identifier of the resource, in which the resource identifier is communicated from a portal of the processing system to a first website, which passes the resource identifier to a second website during forwarding or redirecting a web browser from the first website to the second website, where the second website provides the resource identifier back to the processing system in communications with the processing system for operations required for the activation of the resource. Upon activation, the resource is processed during a communication session between the first website and the portal (or the processing system).