Transaction Integrity via Client-Assigned Identifiers on Public Networks

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Solution Overview

Problem

Current transaction processing systems require secure communication over private networks, necessitating physical infrastructure and unique identifiers from transaction service providers for transaction integrity, which can lead to inefficiencies and redundant information submission.

Innovation Solution

A system and method for maintaining transaction integrity over public networks by using client-assigned unique identifiers, allowing clients to transmit transaction messages with these identifiers, and generating corresponding responses, enabling follow-on messages to be matched and processed without relying on initial provider responses.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If transactions are transmitted over private networks to maintain security, then transaction integrity is preserved, but infrastructure complexity and cost increase

Engineering Contradiction:

Improvetransaction integrityVSAvoidphysical infrastructure

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent replaces the mechanical/physical private network infrastructure with a software-based solution using public networks. Transaction messages are transmitted over public networks (Internet) instead of dedicated private networks, eliminating the need for complex physical infrastructure while maintaining security through cryptographic mechanisms and unique identifier validation

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

Solution Approach 2:

The patent introduces unique identifiers as intermediaries to maintain transaction integrity without requiring secure private networks. These identifiers act as mediators that enable verification and matching of transaction messages, follow-on messages, and responses across insecure public network communications

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If unique identifiers are assigned by transaction service providers, then transaction matching is enabled, but response delays occur when identifiers are not returned before follow-on messages are needed

Engineering Contradiction:

Improvetransaction matchingVSAvoidfollow-up response time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent applies preliminary action by pre-assigning unique identifiers to transaction messages before they are processed by the transaction service provider. The client receives and stores these identifiers in advance, enabling immediate submission of follow-on messages without waiting for provider responses, thus eliminating time delays while ensuring accurate transaction matching

Inventive Principle:

Principle #10Preliminary action

3Loss of information

If full transaction specifications are included in each message, then complete information is provided, but redundant data submission increases message size and processing overhead

Engineering Contradiction:

Improvetransaction information completenessVSAvoiddata volume

Core Design Contradiction:

Loss of informationVSQuantity of substance

Solution Approach 1:

The patent extracts only the essential unique identifier from the full transaction specification and includes it in follow-on messages. Instead of resubmitting complete transaction specifications, the system extracts and transmits only the necessary identifier information, significantly reducing data volume while maintaining the ability to retrieve complete transaction details from the provider's records

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS20230394474A1System, Method, and Computer Program Product for Maintaining Transaction Integrity Over Public Networks

Publication Date: 2023.12.07 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

A method for maintaining transaction integrity for transactions performed over a public network includes: receiving a transaction message corresponding to an original transaction, the transaction message including a unique, client-assigned, first identifier; in response to receiving the transaction message, assigning a unique, second identifier to the original transaction; generating a request to process the original transaction including at least a portion of the transaction message and the second identifier; transmitting the request to an issuer server to process the original transaction; receiving a first response from the issuer server in connection with the original transaction; in response to the first response, generating a second response corresponding to the original transaction including the first identifier and the second identifier; and transmitting the second response to the client. A system and computer program product for maintaining transaction integrity for transactions performed over a public network is also disclosed.