Transaction Override System for Multi-Account Payment Splitting
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Solution Overview
Problem
Existing electronic payment processing systems lack efficient mechanisms for user-approved transaction splitting across multiple accounts and issuers, leading to suboptimal payment processing and increased communication vulnerabilities.
Innovation Solution
Implementing a transaction override system that monitors authorization requests, identifies override triggers, and receives user approvals to split payments between multiple accounts, allowing for transparent and secure cascaded approvals, reducing communication pathways and enhancing user experience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If transaction splitting is implemented across multiple accounts and issuers, then user flexibility and payment options are improved, but system complexity and communication overhead increase
Solution Approach 1:
The patent segments the transaction processing into distinct components: initial authorization request handling, override trigger identification, user approval mechanisms, and cascaded authorization flows. This segmentation allows the system to manage complex multi-account transactions by breaking them into manageable stages, reducing overall system complexity while maintaining user flexibility
Solution Approach 2:
The patent introduces intermediary elements including override triggers that mediate between the initial authorization and final approval, and user approval mechanisms that act as intermediaries between the system and the user. These intermediaries simplify the interaction model by providing structured points of control in the otherwise complex transaction splitting process
2Reliability
If multiple communication pathways are used for authorization requests and approvals, then transaction processing completeness is improved, but security vulnerabilities and communication overhead increase
Solution Approach 1:
The patent extracts the approval mechanism from the traditional linear authorization flow by introducing override triggers and separate user approval pathways. This extraction allows the system to maintain complete transaction processing while reducing security vulnerabilities by separating concerns and minimizing the attack surface of any single communication pathway
Solution Approach 2:
The patent implements preliminary actions through override triggers that are established before transactions occur. These pre-configured triggers and approval mechanisms are set up in advance, allowing the system to handle complex authorizations through predetermined pathways rather than ad-hoc communication, thereby reducing both overhead and security risks
Data Source
AI summary
Systems and methods are presented for payment transaction overrides and system initiated payment splitting. In one embodiment, a first authorization request associated with a first account is monitored at an override computer, an override trigger is identified, and a transaction override approval is received. Override authorization requests are then sent, and responses to the override authorization requests are received at the override computer. A response to the initial authorization request is the sent based on the response received to the override authorization request. In alternative embodiments the override requests are cascaded, or include requests for new account creation.