Automatic Transaction Processing Failover

Organization Name

capital one services, llc

Inventor(s)

Lavangana Govil of Glen Allen VA (US)

David J. Hicks of Glen Allen VA (US)

Harinath R. Nallabolu of Glen Allen VA (US)

Ranvirsinh Raol of Glen Allen VA (US)

Srinivas Alladi of Glen Allen VA (US)

Automatic Transaction Processing Failover - A simplified explanation of the abstract

This abstract first appeared for US patent application 20240244054 titled 'Automatic Transaction Processing Failover

The abstract describes a transaction authorization system that consists of a transaction processor and an authorization server system. The transaction processor obtains authorization for transaction requests from the authorization server system and may process transactions without authorization if it is not provided within a threshold time.

The transaction processor requires authorization within a specific time frame.
The authorization server system may be hosted on one or more nodes in a distributed system.
Performance degradation in the distributed system may lead to transactions being processed without authorization.
The system monitors the health of individual nodes and the distributed system to adjust authorization routing based on performance degradation.
Additional resources may be allocated or authorizations rerouted to avoid performance issues.

Potential Applications: - Financial transactions - Online payment systems - E-commerce platforms

Problems Solved: - Ensuring timely authorization for transactions - Managing performance degradation in distributed systems

Benefits: - Improved transaction security - Efficient processing of transactions - Enhanced system performance

Commercial Applications: Title: Enhanced Transaction Authorization System for Secure Financial Transactions This technology can be used in banking systems, online payment gateways, and retail platforms to ensure secure and timely transaction authorizations, enhancing overall system performance and reliability.

Questions about the technology: 1. How does the system handle performance degradation in the distributed system? 2. What are the potential risks of processing transactions without authorization due to performance issues?

Original Abstract Submitted

transaction authorization systems may include a transaction processor and an authorization server system. the transaction processor obtains transaction requests authorizations for those requests from the authorization server system. the transaction processor may require an authorization be provided within a threshold time; otherwise, the transaction may be processed without authorization. the authorization server system may be hosted using one or more nodes in a distributed system. degradation of the performance of the distributed system may cause the performance of the authorization server system to fall below the required performance threshold and transactions may not be authorized before automatic processing. transaction authorization systems may monitor the health of the individual nodes and/or the distributed system and automatically adjust the routing of authorizations based on current and/or future performance degradation. the transaction authorization system may also allocate additional resources and/or reroute authorizations to a separate distributed system to avoid performance degradations.