Transparent Transaction Alert Engine Using Message Copying
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Solution Overview
Problem
Current payment systems lack an efficient mechanism for generating transaction alerts that are policy-based and transparent, requiring interaction with entities within the payment card network or the card holder's financial institution, which can lead to delays and limitations in real-time alert generation.
Innovation Solution
A system and method for generating policy-based transaction alerts through an alert generation engine that operates on copies of transaction messages as they traverse the payment network, allowing alerts to be generated independently of the payment card network entities, using data network elements to receive and forward message copies, and apply policies for real-time alert delivery.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If transaction alerts are generated through interaction with payment card network entities, then alert generation can be integrated into the transaction flow, but alert generation delays and limitations occur due to communication delays with network entities
Solution Approach 1:
The patent uses data network elements to create copies of transaction messages as they traverse the payment network. These message copies are then forwarded to the alert generation engine, which processes them independently without waiting for responses from payment card network entities. This copying mechanism enables parallel processing and eliminates communication delays while maintaining integration with the transaction flow.
2Productivity
If alert generation engine operates independently on message copies, then real-time alert delivery is achieved, but the system requires additional data network elements for message copying and forwarding
Solution Approach 1:
The patent introduces data network elements as intermediaries that perform message copying and forwarding functions. These intermediaries are positioned within the existing payment network infrastructure and automatically replicate transaction messages to the alert generation engine without requiring changes to the core payment processing system. This intermediary approach enables independent alert generation while minimizing architectural complexity.
3Ease of operation
If the system uses copies of transaction messages, then alert generation is transparent to payment network entities, but the system must ensure message copy accuracy and completeness
Solution Approach 1:
The data network elements create precise copies of transaction messages by replicating the complete message content as it traverses the network. The alert generation engine receives these accurate copies and can reconstruct transaction details without requiring interaction with payment network entities. This copying process maintains message integrity and ensures transparency to the original transaction flow.
Data Source
AI summary
Embodiments of the present invention provide systems and methods for generating policy-based transaction alerts. In accordance with the systems and methods, an alert generation engine transparently detects ongoing transactions without participating in the transaction path, and generates policy-based alerts.