Credit Schemes TRIZ Cases
- Systems and methods for payment for delivery services
See how a payment-on-delivery device reads transaction codes, transmits details to consumer dev
- Passive User Authentication Using Continuous Interaction Monitoring
Continuous monitoring of user interactions and device conditions maintains authentication state, reducing re-authentication friction and network load.
- Digital Replacement Card Access After Credit Card Compromise
Real-time replacement card data reaches a verified mobile wallet after compromise, avoiding mailing delays and keeping purchases uninterrupted.
- Contactless Card Authentication Using NFC Token and Risk Analytics
Multi-tier authentication combines an NFC card token, mobile app login, and counter checks to verify card presence and adapt security to risk.
- Direct Service Access Bridge for Off-Network Payment Services
A DSA bridge routes payment requests to registered off-network services and consolidates response codes for cross-network authorization.
- Biometric Payment Interface With Radio Mode Switching
Fingerprint-triggered radio mode switching streamlines mobile payments, cutting extra taps while conserving device power and battery life.
- Transaction Deconflicting Using Network Names and User Queries
Compares transaction amount, timestamp, and network names to resolve duplicate payment records and improve account reporting accuracy.
- Mobile Wallet Provisioning via ATM or Banker-Assisted Device
Provision payment accounts from an ATM or banker-assisted device to a mobile wallet, cutting manual entry and reducing setup steps.
- Protocol-Aware Message Routing for Pre-Chargeback Dispute Resolution
A pre-chargeback routing layer uses ML and protocol reformatting to connect cardholders and merchants before formal chargebacks consume network bandwidth.
- API Gateway Policy Engine for Privacy-Safe Fraud Screening
Filtered subscriber data, asynchronous logging, and policy-based records help institutions assess fraud risk without exposing confidential details.