Access Device Transaction Processing with Preliminary Action

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Solution Overview

Problem

Smart card transactions take longer to process compared to magnetic stripe card transactions, leading to user frustration, increased wait time, and potential for cards to be forgotten or accidentally removed during processing.

Innovation Solution

Allowing the user device to be removed from the access device before an authorization response message is received by informing it of transaction completion or cancellation, storing user device information, and providing an estimated transaction amount for immediate processing.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional smart card transaction processing is used, then transaction security is improved, but transaction processing time increases

Engineering Contradiction:

Improvetransaction securityVSAvoidtransaction processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The access device performs preliminary actions by storing user device information and generating authorization request messages before the user device is removed. The system prepares transaction data, stores credentials, and initiates authorization requests in advance so that the user device can be removed before the final authorization response is received, reducing perceived wait time while maintaining security

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The access device acts as an intermediary between the user device and the authorizing entity computer. It buffers the interaction by storing user device information locally and managing the authorization communication timeline, allowing the user device to be removed before the authorization response is complete while ensuring the transaction is properly processed

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If smart card transaction processing is used, then fraud security is improved, but user convenience deteriorates

Engineering Contradiction:

Improvefraud securityVSAvoiduser convenience

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system performs preliminary actions by storing user device information and initiating authorization requests before the user removes the device. This allows the user to remove the smart card immediately after insertion without waiting for transaction completion, improving convenience while the access device maintains security through stored credentials and subsequent authorization processing

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The access device provides feedback to the user device about transaction status and completion. By communicating with the user device before removal and providing status information, the system maintains user awareness of transaction progress while allowing immediate device removal, balancing security feedback with user convenience

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS20250013728A1System and method employing reduced time device processing

Publication Date: 2025.01.09 VISA INTERNATIONAL SERVICE ASSOCIATION

AI summary

Methods and systems for facilitating a transaction are provided. A transaction involving an integrated circuit user device in contact with an access device is processed in less time, such that the user device can be removed at an earlier time. In embodiments, an access device provides an estimated value to a user device such that a cryptogram can be generated without waiting for a final value. Additionally, the access device can store user device data and then complete the transaction with the user device before authorizing the transaction, such that the user device can be removed without waiting for an authorization response.