Transaction Authorization Stream Splitting for Clearing Batch Efficiency
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Solution Overview
Problem
Existing systems face inefficiencies in processing transaction authorization records for clearing data batch files, leading to computational resource bottlenecks and suboptimal use of computational resources.
Innovation Solution
A method and system for preprocessing transaction authorization records by appending them to authorization streams, splitting into substreams based on classification, and dynamically initializing new streams for continuous preprocessing, reducing the need for batch processing at a single time.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If transaction authorization records are processed in batch just prior to cut-off time, then clearing data batch files can be generated, but computational resource bottlenecks occur and processing efficiency decreases
Solution Approach 1:
The system performs preliminary actions by appending transaction authorization records to authorization streams and preprocessing them before the batch processing deadline. This includes classifying records into substreams and initializing new streams in advance, so that when batch processing is required, the computational load is already reduced and organized, eliminating resource bottlenecks.
Solution Approach 2:
The system segments the authorization stream into multiple classification substreams based on transaction characteristics. This segmentation distributes the processing load across multiple smaller, manageable groups rather than processing all records as a single large batch, improving computational efficiency and resource utilization during preprocessing and batch processing.
2Productivity
If all transaction authorization records are processed together in a single batch, then clearing data can be generated, but computational resources are not optimally utilized
Solution Approach 1:
The authorization stream is divided into multiple classification substreams based on transaction characteristics such as merchant category, transaction type, or amount thresholds. Each substream can be processed independently with appropriate computational resources, optimizing resource utilization while managing complexity through structured organization rather than monolithic processing.
Solution Approach 2:
The system dynamically initializes new authorization streams as existing streams are processed or when thresholds are reached. This dynamic adaptation allows the system to adjust processing capacity in real-time based on transaction volume and computational resource availability, optimizing resource utilization without requiring static, over-provisioned infrastructure.
3Duration of action of moving object
If authorization streams are closed and new streams initialized continuously, then preprocessing can occur over extended time, but stream management complexity increases
Solution Approach 1:
The system implements periodic action by closing authorization streams after processing a defined number of records or time interval and initializing new streams. This periodic cycle allows preprocessing to occur over extended periods while maintaining manageable complexity through consistent, repeating patterns rather than ad-hoc stream management. The periodic closure and reinitialization prevents any single stream from becoming too large or complex to manage.
Data Source
AI summary
Technologies for preprocessing transaction authorization records for clearing data batch file generation include a settlement processing server. The settlement processing server receives transaction authorization records corresponding to authorized transactions. The transaction authorization records are appended to an initial authorization stream. The initial authorization stream is closed and the transaction authorization records appended thereto are split into substreams. The settlement processing server preprocesses the transaction authorization records in each of the substreams. While the transaction authorization records appended to the substreams are preprocessed, the settlement processing server initializes another authorization stream and appends newly received transaction authorization records thereto. A clearing data batch file is generated based at least in part on the transaction authorization records appended to each of the substreams. Other embodiments are described and claimed.