Transaction Reconfiguration via Dynamic Configuration Switching

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Solution Overview

Problem

Existing electronic transaction processing networks face inefficiencies due to incorrectly configured transactions, which can increase network costs and resource requirements.

Innovation Solution

A system, method, and computer program product that dynamically processes transactions by determining a recommended configuration based on transaction data and merchant profile parameters, and reconfiguring transactions from single-message to dual-message or vice versa during network processing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of energy

If single-message processing is used, then network costs and resource requirements are reduced, but transaction flexibility and capability are limited

Engineering Contradiction:

Improvenetwork costsVSAvoidtransaction capability

Core Design Contradiction:

Loss of energyVSAdaptability or versatility

Solution Approach 1:

The system dynamically determines the appropriate transaction configuration (single-message or dual-message) based on real-time analysis of transaction data and merchant profile parameters, allowing the processing mode to adapt flexibly to different transaction requirements while optimizing network cost efficiency

Inventive Principle:

Principle #15Dynamics

2Adaptability or versatility

If dual-message processing is used, then transaction flexibility and capability are enhanced, but network costs and resource requirements increase

Engineering Contradiction:

Improvetransaction capabilityVSAvoidnetwork costs

Core Design Contradiction:

Adaptability or versatilityVSLoss of energy

Solution Approach 1:

The system changes the configuration parameter of transaction processing (switching between single-message and dual-message modes) based on optimal matching of transaction characteristics and merchant profiles, thereby achieving high transaction capability only when necessary and reducing network costs when simpler processing suffices

Inventive Principle:

Principle #35Parameter changes

3Speed

If transactions are incorrectly configured, then processing speed may be maintained, but network costs and resource requirements increase

Engineering Contradiction:

Improveprocessing speedVSAvoidnetwork costs

Core Design Contradiction:

SpeedVSLoss of energy

Solution Approach 1:

The system incorporates feedback mechanisms that analyze transaction outcomes and merchant profile data to continuously optimize configuration decisions, ensuring that transactions are correctly configured from the outset to avoid unnecessary network costs while maintaining efficient processing speeds

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS12236413B2Method and system for reconfiguring a transaction during network processing

Publication Date: 2025.02.25 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

Described are a system, method, and computer program product for reconfiguring a transaction during network processing. The method includes receiving, from a merchant system, a transaction request including transaction data and configured in an initial configuration associated with a single-message transaction or a dual-message transaction. The method includes determining, based at least partly on the transaction data and/or at least one parameter of a merchant profile associated with the merchant system, a recommended configuration associated with a single-message transaction or a dual-message transaction, the recommended configuration different from the initial configuration. The method includes reconfiguring the transaction request based on the recommended configuration. The method includes generating a communication to a transaction processing system configured to cause the transaction processing system to process the transaction request as a single-message transaction or a dual-message transaction based on the recommended configuration.