Cash Payment Format Translation via Intermediary Server
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Solution Overview
Problem
Current systems for transmitting cash payments between computer systems and ATMs are limited by their inability to support disparate communication formats, preventing interoperability between systems not equipped with the native Z-Cash standard.
Innovation Solution
A system and method that utilizes a P2P server to translate payment requests from a computer network into the native format of an ATM control server, allowing payments to be executed across multiple ATM systems, including those using the Z-Cash format, by generating a PIN code for dispensing currency at the ATM.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If a system uses native Z-Cash format for ATM communication, then cash payment transmission between ATMs is enabled, but interoperability with computer networks using different formats is lost
Solution Approach 1:
The patent introduces a format conversion server as an intermediary component that receives payment requests from computer networks in various formats, converts them to the native Z-Cash format, and transmits them to ATM control servers. This mediator resolves the incompatibility between different communication formats without requiring changes to either the computer network systems or the ATM systems, thereby enabling interoperability while maintaining system complexity at acceptable levels.
2Adaptability or versatility
If a system supports multiple communication formats, then interoperability between different ATM systems is improved, but system complexity increases
Solution Approach 1:
Rather than equipping each ATM control server with multiple format support capabilities, the patent centralizes format translation functionality in a dedicated conversion server. This intermediary handles all format conversions, allowing individual ATM systems to maintain their native format simplicity while the system as a whole achieves multi-format support through the centralized translation layer.
3Adaptability or versatility
If cash payments are transmitted between disparate systems, then payment capability is expanded, but communication protocol compatibility deteriorates
Solution Approach 1:
The format conversion server acts as a reliable intermediary that ensures protocol compatibility by systematically translating between different communication formats. This centralized translation approach reduces errors compared to distributed translation attempts, as the intermediary can implement robust error handling, validation, and logging specific to format conversion operations, thereby maintaining high reliability while enabling expanded payment transmission capabilities.
Data Source
AI summary
The invention presented comprises a system and method for executing a cash payment via a computer network. A payor computing device communicates over a computer network with payee computing devices via a P2P server. The P2P server is operative to receive a payment request from the payor computing device and process the payment by debiting a financial instrument specified by a payor utilizing the payor computing device. The payment request is transmitted from the P2P server to a cash payment server operative to receive the payment request and translate the request into the native format of an ATM control server, the native format of the P2P server and ATM control server not being interoperable. The ATM control server is operative to generate a PIN code, which is transmitted along with the received payment instructions to an ATM. The ATM receives the payment instructions and dispenses the payment upon receipt of the PIN code. Receipt data is also generated by the ATM control server, translated into the native format of the P2P server by the cash payment server, and delivered to the payor and payee via the P2P sever.