API Code Generator for Payment Processing

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Solution Overview

Problem

The high cost and complexity of developing software for point of sale (POS) systems to interact with acquirer processors' payment systems, due to stringent certification requirements, pose a challenge for merchants and independent software vendors (ISVs).

Innovation Solution

Automatically generating sample code for application programming interfaces (APIs) specific to acquirer processors, using an API reader, converter, and output generator, to facilitate language-specific code creation and validation, thereby reducing development costs and improving accuracy.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of manufacture

If software is manually developed for POS systems to interact with acquirer processors, then the software can be customized and adapted, but the development cost and time increase significantly

Engineering Contradiction:

Improvesoftware development easeVSAvoiddevelopment time

Core Design Contradiction:

Ease of manufactureVSLoss of time

Solution Approach 1:

The system performs preliminary actions by automatically generating skeleton software code before the actual development process begins. The code generator reads API documentation and produces pre-configured, certified code frameworks that developers can then customize, eliminating the need to write foundational code from scratch and significantly reducing development time.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The system creates copies of certified software templates and skeletons that have already been validated against acquirer processor requirements. These copied templates serve as starting points for new projects, ensuring compliance while reducing repetitive development work and accelerating the software creation process.

Inventive Principle:

Principle #26Copying

2Adaptability or versatility

If software is manually developed for POS systems, then developers can implement custom features, but certification accuracy and compliance may be compromised

Engineering Contradiction:

Improvesoftware customizationVSAvoidcertification accuracy

Core Design Contradiction:

Adaptability or versatilityVSManufacturing precision

Solution Approach 1:

The code generator performs preliminary certification validation by automatically generating code that adheres to acquirer processor specifications from the outset. The generated skeleton code incorporates certified patterns and structures, ensuring compliance before custom features are added, thereby maintaining both adaptability and certification accuracy.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The code generator acts as an intermediary between acquirer processor API specifications and developer customizations. It translates formal API documentation into certified code frameworks that maintain compliance while allowing developers to add custom features within the pre-established compliant structure, preserving both versatility and precision.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If comprehensive certification testing is performed, then software compliance is ensured, but development costs increase

Engineering Contradiction:

Improvecertification complianceVSAvoiddevelopment cost

Core Design Contradiction:

ReliabilityVSEase of manufacture

Solution Approach 1:

The system performs certification validation preliminarily during code generation rather than requiring extensive post-development testing. By generating code that is pre-compliant with acquirer processor specifications and incorporating built-in validation, the system reduces the need for costly and time-consuming manual certification testing while maintaining high compliance standards.

Inventive Principle:

Principle #10Preliminary action

4Ease of operation

If developers lack expertise in acquirer processor APIs, then software development becomes difficult, but hiring experts increases costs

Engineering Contradiction:

Improvesoftware development easeVSAvoiddevelopment cost

Core Design Contradiction:

Ease of operationVSEase of manufacture

Solution Approach 1:

The code generator enables self-service by automatically producing certified code frameworks without requiring developers to have deep expertise in acquirer processor APIs. Developers can use the generated templates and documentation to create compliant software independently, reducing the need to hire expensive API specialists while maintaining development quality.

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS12001814B2Systems and methods for translating data read from proxy APIs into computing code

Publication Date: 2024.06.04 WORLDPAY LLC

AI summary

A method for automatically generating sample code for an API for payment processing in a payment network includes reading an acquirer processor-specific API for payment processing in a payment network using an acquirer processor-specific API reader, generating acquirer processor-specific API data using the acquirer processor-specific API reader, converting the acquirer processor-specific API data into a format compatible with an output generator, and generating language-specific sample code by the output generator using the converted acquirer processor-specific API data and a language-specific template.