Secure Payment Network Content Exchange with GUID Retrieval
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Solution Overview
Problem
The exchange of transaction-related information between computing systems operated by different entities in payment networks is inefficient and insecure, leading to disconnects between transaction-related information such as invoices and remittance documentation, which creates inefficiencies and poor user experiences.
Innovation Solution
A secure content exchange platform that includes a content exchanger generating a globally unique identifier (GUID) for content items, with an exchange gateway interface to manage secure registration and retrieval of these items between financial institution systems via payment networks.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If transaction-related information is exchanged via email and unsecure channels, then ease of operation is improved, but security deteriorates
Solution Approach 1:
The patent introduces a content exchanger as an intermediary system between sending and recipient financial institution systems. This mediator handles secure storage, GUID generation, and controlled distribution of transaction-related content items, eliminating the need for unsecure email channels while maintaining ease of operation through automated processes.
2Adaptability or versatility
If transaction-related information is exchanged between different entities, then adaptability is improved, but security deteriorates
Solution Approach 1:
The content exchanger serves as a universal intermediary that can handle various types of content items (documents, images, data files) from multiple financial institution systems. It provides standardized secure exchange mechanisms that work across different entities, maintaining both adaptability and security.
Solution Approach 2:
The system is designed to handle multiple types of content items (invoices, remittance documentation, images, data files) and supports various financial institution systems through a unified interface. The content exchanger provides universal secure exchange capabilities across different entities and transaction types.
3Device complexity
If content items are exchanged directly between systems, then device complexity is reduced, but reliability deteriorates
Solution Approach 1:
The content exchanger acts as a central intermediary that manages all content item exchanges between financial institution systems. While it adds a system component, it simplifies the overall architecture by providing centralized management of security, storage, and distribution, rather than requiring complex peer-to-peer security implementations between all systems.
4Reliability
If secure content exchange is implemented, then security is improved, but device complexity increases
Solution Approach 1:
The content exchanger consolidates security functions in a single intermediary system, including credential validation, secure storage, GUID generation, and controlled retrieval. This centralization improves security while managing complexity by providing unified security management rather than distributed security implementations.
Solution Approach 2:
The system uses GUIDs as lightweight copies or references to content items. Instead of transmitting actual content items through multiple systems, the GUID serves as a secure reference that can be exchanged and validated, reducing the complexity of secure content transmission while maintaining security.
5Productivity
If transaction-related information exchange is automated, then productivity is improved, but measurement precision deteriorates
Solution Approach 1:
The system implements feedback mechanisms through credential validation at multiple stages (registration, content submission, retrieval). The content exchanger validates credentials before allowing operations and provides confirmation responses, ensuring accurate tracking and validation of automated exchanges while maintaining productivity.
Data Source
AI summary
Methods, systems, and computer program products are provided for secure content exchange. A secure content exchange platform includes a content exchanger and exchange gateway interface. The content exchanger stores a content item and generates a globally unique identifier (GUID) associated with the content item. The exchange gateway interface receives a registration request for the content item from a sending financial institution system, submits the content item to the content exchanger, receives the GUID associated with the content item from the content exchanger, returns the GUID to the sending financial institution system as a response to the registration request, receives a retrieval request from a recipient financial institution system, retrieves the GUID from the retrieval request to submit the GUID to the content exchanger, receives the content item from the content exchanger, and returns the content item to the recipient financial institution system as a response to the retrieval request.