Transaction Messaging System Account Data Access
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Solution Overview
Problem
The existing payment processing systems face challenges in communicating and accessing account data between separate credit and debit transaction processing systems, leading to issues like data duplication, inaccuracies, increased hardware requirements, and higher expenses.
Innovation Solution
A method and system that utilize a transaction messaging system (TMS) and an account data access system (ADAS) to enable communication between different computer environments, allowing the TMS to request and receive account data from a database subsystem, facilitating the processing of payment transactions across systems.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If two separate processing systems (credit and debit) are used to handle different transaction types, then each system can be optimized for its specific transaction type, but the systems cannot communicate with each other, leading to data duplication and increased hardware requirements
Solution Approach 1:
The patent introduces an intermediary component that enables communication between the credit and debit processing systems. This intermediary allows the systems to share account data without requiring direct integration, thus maintaining the specialized nature of each system while enabling data exchange to prevent duplication and reduce hardware requirements.
2Speed
If account data is stored separately in each processing system, then each system has direct access to the data it needs, but data duplication occurs and fraud risk increases
Solution Approach 1:
The patent merges the account data storage into a shared repository that both credit and debit processing systems can access. This consolidation eliminates data duplication while maintaining fast access speeds through optimized data retrieval mechanisms, and simultaneously reduces fraud risk by ensuring data consistency across systems.
3Ease of manufacture
If separate processing systems are used without communication capability, then system design is simpler for each individual system, but data duplication leads to increased expenses and hardware requirements
Solution Approach 1:
The patent creates a universal data access interface that allows both credit and debit systems to use the same account data repository. This multi-functional approach enables each system to remain relatively simple in design while sharing common resources, thereby reducing overall hardware requirements and expenses without compromising ease of implementation.
Data Source
AI summary
A method and system for processing an electronic payment transaction is described herein. The method uses a first computer device configured to access account data from a database subsystem operating at a second computer device. The method includes operating a transaction messaging system (TMS) in a first computer operating environment of the first computer device, operating an account data access system (ADAS) in a second computer operating environment of the first computer device, transmitting a request for account data from the TMS to the ADAS, executing a query for the account data at the database subsystem wherein the query is generated by the ADAS and based on the request for account data, receiving the requested account data at the TMS in response to the query, and processing the payment transaction at the TMS using the received account data.