Adapter Layer Translating Payment Messages to Standard Protocol
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Solution Overview
Problem
Transaction terminals from different providers generate messages with varying formats, causing complexity for payment gateway and transaction processing systems, which need to process these messages efficiently.
Innovation Solution
Implementing an adapter layer on transaction terminals that maps provider-specific message protocols to a standard message protocol, allowing payment data to be translated and communicated in a standardized format to payment gateway and transaction processing systems.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If transaction terminals from different providers use their own provider-specific message protocols, then each terminal can maintain its own formatting and arrangement preferences, but the receiver (payment gateway system, acquirer system, and/or transaction processing system) must process multiple different message formats, which adds significant processing complexities
Solution Approach 1:
The patent introduces an adapter layer as an intermediary component that sits between the transaction terminal and the message receiver. This adapter layer translates provider-specific message protocols into a standardized message format, allowing the receiver to process all messages uniformly without needing to handle multiple protocol variations. The adapter acts as a mediator that converts diverse input formats into a single standardized output format.
Solution Approach 2:
The patent changes the message format parameters by transforming provider-specific protocols into a standardized protocol. The adapter layer modifies message structure, field arrangements, and formatting parameters to conform to a universal standard, thereby simplifying the receiver's processing requirements while maintaining compatibility with various terminal providers.
2Adaptability or versatility
If the receiver processes various different transaction messages formatted according to various different provider-specific message protocols, then all terminal providers can communicate with the system, but the processing complexities for the receiver increase significantly
Solution Approach 1:
The adapter layer serves as an intermediary that standardizes messages before they reach the receiver, enabling efficient processing of transactions from multiple providers. By translating all provider-specific protocols into a standardized format at the adapter level, the receiver can process messages uniformly without incurring the complexity overhead of handling multiple protocol variations.
Solution Approach 2:
The system segments the message processing function into two distinct parts: the adapter layer that handles protocol translation and formatting, and the receiver that handles transaction processing. This segmentation allows the receiver to focus solely on processing standardized messages efficiently, while the adapter handles the complexity of protocol adaptation.
3Ease of manufacture
If transaction messages are formatted according to provider-specific message protocols with different arrangements and formatting, then each provider can optimize their message structure, but the receiver requires significant processing complexity to handle the variations
Solution Approach 1:
The adapter layer acts as an intermediary that simplifies message generation for terminals while standardizing the output. Terminals can generate messages using their native protocols with ease, and the adapter automatically translates these into standardized formats, eliminating the need for the receiver to handle complex protocol variations.
Solution Approach 2:
The adapter layer creates a standardized copy of the provider-specific message format. It reads the original message from the terminal in its native format and generates a standardized version that conforms to the universal protocol, allowing the receiver to process the copied standardized message without dealing with the original format's complexities.
Data Source
AI summary
A computer-implemented method includes: installing a first message protocol on a transaction terminal based on a provider thereof; installing an adapter layer on the terminal, the adapter layer including a mapping from the first message protocol to a standard message protocol; reading payment data from a payment device, the payment data associated with a transaction; generating a message including the payment data according to the first message protocol; translating the message from the first message protocol to the standard message protocol with the adapter layer to form a transaction message; and communicating the transaction message to a transaction processing system.