Credit Schemes TRIZ Cases

A dynamic payment service system routes transactions through a server-hosted virtual container that simulates onboard security chips for secure processing.

SAO unit analyzes transaction data to predict supplier acceptance likelihood.

Analytics system detects recurring payment merchants by analyzing transaction amount distributions.

A wallet system registers and switches between multiple payment methods for electronic money transactions.

A vehicle computing system verifies wireless device presence to enable secure payment transactions.

An intermediary system routes payments from users to multiple third parties without exposing sensitive credit card information, resolving identity theft risks.

Scripts stored on payment devices customize POS terminal functions at runtime, eliminating software update complexity and improving user experience consistency.

An authentication server compares purchaser and card locations to prevent fraud while reducing system complexity through intermediary mediation.

A transaction system matches consumer and merchant geofences to enable differential processing rules.

A settlement system uses one-time passwords to authenticate transactions securely.

NC3 charge card system separates account identification from transaction authorization using encrypted tokens and optical communication.

A routing system directs electronic credit transactions to a priority processing network based on calculated scores.

A dynamic credit card uses an encoder and display to generate changing numbers for secure transactions.

A virtual payment card system manages rewards and buy now pay later transactions within a specific geographic area.

A central payment system determines settlement types and transmits requests between acquirer and issuer networks.