Debit Schemes TRIZ Cases
- Wireless Transaction Applet Selection Using Group Identifiers
Group identifiers in contactless polling frames let a secure element auto-select the right applet for scalable express wireless transactions.
- Direct POS-to-User RTP Authorization to Bypass Payment Network Delays
Direct user device and POS communication lets a payment facilitator trigger RTP account transfers, cutting card-network delays, risk, and fees.
- Direct POS-to-Phone RTP Authorization to Bypass Card Network Delays
Direct communication between a user device and POS enables real-time bank-to-bank payment authorization with lower delay, risk, and fees.
- Gaming Account Restriction Sync for Debit Card Fund Access
Real-time restriction syncing lets a debit card access gaming account funds directly, reducing transfer delays, cost, and fraud risk.
- Surrogate PIN Authentication for Reliable Debit Wallet Transactions
A backend-generated surrogate PIN enables debit wallet payments to pass PIN-based networks without user PIN entry, improving transaction success.
- Categorization Engine for Filtered Electronic Transactions
A categorization engine filters transaction items against approved product lists, improving prepaid benefits tracking and eligibility-based payment execution.
- RFP Message Decomposition for Real-Time Targeted Recommendations
Decomposed ISO 20022 RFP data enables real-time targeted offers and notifications without slowing payment messaging.