Token-Based Transaction Resource Selection
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Solution Overview
Problem
Current communication systems face challenges in efficiently processing transactions using tokens, particularly in determining the optimal use of transaction resources and managing payment instruments across different systems, leading to complexities in transaction processing and resource utilization.
Innovation Solution
The proposed solution involves a token-based automatic transaction processing method that generates and manages tokens associated with user accounts, allowing for the selection and revision of transaction resources based on transaction preferences, enabling seamless transaction processing across systems by detokenizing tokens to determine the appropriate resources for use.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If tokens are used for transaction processing across different systems, then transaction security and flexibility are improved, but system complexity and resource management difficulty increase
Solution Approach 1:
The patent introduces a token service provider as an intermediary component that mediates between transaction systems and payment instruments. The TSP generates, manages, and detokenizes tokens across different transaction systems, centralizing the complexity of token management while allowing individual systems to operate with simplified token-based interfaces. This intermediary approach improves security through centralized control while managing system complexity through a dedicated specialized component.
2Adaptability or versatility
If multiple transaction resources are managed across different systems, then transaction flexibility and instrument availability are improved, but resource management complexity and processing overhead increase
Solution Approach 1:
The patent segments transaction resources and their management by introducing distinct token service providers for different transaction systems. Each TSP manages a specific set of payment instruments and generates tokens tailored to its system's requirements. This segmentation allows flexible resource management across systems while containing complexity within isolated, manageable units rather than requiring centralized management of all resources.
Solution Approach 2:
The token service provider acts as an intermediary that abstracts the complexity of managing multiple transaction resources. Instead of systems directly managing diverse payment instruments, the TSP intermediates by generating tokens that represent these resources, thereby simplifying resource management while maintaining flexibility in utilizing multiple payment instruments across different systems.
3Measurement precision
If token detokenization is performed to determine transaction resources, then resource selection accuracy is improved, but processing time and computational overhead increase
Solution Approach 1:
The patent implements preliminary action by having the token service provider generate tokens with embedded resource information and transaction preferences in advance. When a transaction occurs, the detokenization process retrieves pre-configured resource selections rather than requiring complex real-time analysis. This preliminary configuration of token attributes enables accurate resource selection while minimizing processing time during actual transactions.
Data Source
AI summary
The method comprises receiving a token request, from a first transaction system, for generating a token associated with a user account. Responsive to receiving the token request, generating the token that authorizes use of an initial transaction resource at a second transaction system. The method includes generating transaction preferences that associate the token with a plurality of transaction resources at the second transaction system. The token is transmitted to the first transaction system for use at the first transaction system. The method includes receiving a transaction request, including the token, for using the token for a first transaction. In response to receiving the transaction request, the transaction is processed based on the token, a state of the first user account, and the transaction preferences. The processing of the transaction includes determining whether to revise use of the initial transaction resources to one or more other transaction resources.