Payment Architecture TRIZ Cases

Virtual cards let a centralized platform speed international payments, reduce transfer fees and delays, and avoid physical-card handling.

Cryptographically signed DID messages let financial institutions verify customers across channels without exposing PII to untrusted parties.

Selected virtual cards transfer funds into a desired card before closure, simplifying management and reducing cross-border transaction fees.

GPS location updates trigger shipment orders outside a defined origin geo-zone, replacing manual entry and improving tracking accuracy.

Automatic expiration or exchange-triggered deactivation limits physical card exposure without manual locking and unlocking.

Direct transfers from financial institution accounts bypass gaming accounts and vouchers, reducing errors, transaction risks, and compliance concerns.

A nested piezoelectric layer beneath display pixels receives reflected finger data, enabling biometric sensing and visual output through one exterior surface.

Token reference data separates ledger verification from locally stored token data, enabling secure offline exchange across issuers while limiting double-spending.

Remote SIM provisioning transfers payment credentials to an eUICC while matching physical cards use the same credentials.

Encrypted wait-time extensions and unpredictable parameters expose timing deviations from NFC relay attacks without major infrastructure changes.

Local memory and NFC let users access updated information without internet, while wireless server sync supports autonomous operation.

NFC lets visually impaired users connect a portable data carrier to its provider website without focusing a camera on a QR code.

An integrated balance on each picking trolley weighs order items during retrieval, reducing waits at shared weighing stations.

OCR or machine-readable codes extract document location data for comparison with device location, helping screen imposters and reduce forensic resource use.

A record server shares token metadata by device or session identifier, helping incompatible networks complete accurate authorization transactions.

Attribute-based matching narrows compatible partners for new leads, streamlining merchant boarding and tracking partner assistance.

Real-time inventory checks filter kiosk photo-product offers, show alternatives, and surface local promotions before customers place orders.

Mobile vehicles bring location-linked souvenirs to sightseeing spots during planned visits, preserving in-person selection while reducing store travel and carrying.

An integrated ATM slot lets fuel-pump customers withdraw or deposit cash and choose fuel payment options without visiting a separate ATM.

Users can assign different card network request types to account or service subsystems through a GUI, adding granular routing control.

Wireless mobile transfers replace cash and paper vouchers at electronic gaming machines, reducing handling costs, security concerns, and waste.

Time-limited codes and a central identity provider reduce login burden without exposing one permanent credential across services.

Separate RTP networks use an overlay router and participant registry to enable real-time payments across regulatory and jurisdictional boundaries.

Vehicle and client data support context-aware authentication and task selection, reducing manual banking steps while preserving adaptive security.