Transaction System Migration via Intermediary Routing
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Solution Overview
Problem
Transaction system conversions due to mergers, acquisitions, or structural changes can be inefficient and inconvenient for users, leading to disruptions in access and increased workload for support centers, as existing methods often require complete system switches that result in downtime and customer service issues.
Innovation Solution
Implementing a method where transaction information is transferred between processing networks using ISO messaging or other electronic communication, allowing for internal or external switching of transaction systems, enabling continued user access and reduced downtime by maintaining account access during the transition, and utilizing enterprise data management modules to monitor and manage transaction limits and blocked merchants.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If a complete system switch is implemented during transaction system conversion, then the new transaction system can be fully deployed, but user access is disrupted and support center workload increases
Solution Approach 1:
The patent segments the transaction system conversion process into multiple phases: (1) parallel operation phase where both first and second transaction systems operate simultaneously, (2) gradual migration phase where transactions are progressively redirected, and (3) completion phase where the first system is deactivated. This segmentation allows conversion without complete system shutdown, maintaining user access throughout the transition.
Solution Approach 2:
The patent implements preliminary actions by establishing the second transaction system and configuring it to receive transactions before the conversion process begins. The system pre-configures routing rules and data synchronization mechanisms so that when conversion occurs, transactions can be seamlessly redirected without disrupting user access or requiring support intervention.
2Adaptability or versatility
If a complete system switch is implemented during transaction system conversion, then the new transaction system can be fully deployed, but account downtime increases
Solution Approach 1:
The patent ensures continuity of useful action by maintaining transaction processing capability throughout the conversion process. The second transaction system begins processing transactions immediately upon configuration, and the parallel operation phase ensures that if any issues arise, the first system continues to handle transactions without interruption. This eliminates account downtime that would occur with a complete system switch.
Solution Approach 2:
The patent implements dynamic adaptability during conversion by enabling real-time adjustment of transaction routing between the first and second systems. The system can dynamically shift transaction loads, monitor system performance, and adjust the conversion pace based on actual conditions, ensuring minimal disruption and zero account downtime throughout the transition.
3Adaptability or versatility
If a complete system switch is implemented during transaction system conversion, then the new transaction system can be fully deployed, but support center workload increases
Solution Approach 1:
The patent implements self-service capabilities by automating the transaction redirection process. The system automatically routes transactions from the first to the second transaction system based on pre-configured rules, performs data synchronization without human intervention, and handles conversion logistics independently. This eliminates the need for support center staff to manually assist users during conversion, maintaining support center efficiency while enabling system conversion.
4Adaptability or versatility
If transaction information is transferred between processing networks, then system conversion can be achieved, but system complexity increases
Solution Approach 1:
The patent introduces an intermediary component that manages communication between the first and second processing networks. This intermediary handles transaction information transfer, data synchronization, and protocol conversion, isolating the complexity of inter-network communication from the core transaction systems. By centralizing these complex functions in a dedicated intermediary layer, the overall system architecture remains manageable despite the added conversion capability.
Data Source
AI summary
A non-transitory computer-readable medium can include instructions that are executable by a processing device for causing the processing device to perform operations. The operations can include receiving, by a first processing network, transaction information associated with one or more transactions of a first type from a transaction medium system, where the transaction information can be obtained by the transaction medium system from an acquirer at a transaction facilitator. Additionally, the operations can include determining that a transaction medium associated with the one or more transactions of the first type has migrated from the first processing network to a second processing network. The transaction information of the first type can be transferred by the first processing network to a second transaction system in the second processing network. The second transaction system can complete the one or more transactions for the first type.