Cloud Payments Platform with Pluggable Gateway Adapters
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Solution Overview
Problem
Cloud computing platforms lack a native payment solution, requiring clients to integrate with multiple payment gateways with different APIs, leading to complexity and inconsistency in data models, making it difficult for clients to manage payment transactions across various payment gateways.
Innovation Solution
A cloud-based computing system with a payments platform that integrates payment gateway services, using a pluggable architecture to support various payment gateways through customizable adapters, allowing clients to perform payment transactions seamlessly across different payment gateways.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If clients integrate with multiple payment gateways directly using different APIs, then payment transaction capability is achieved, but integration complexity and data model inconsistency increase
Solution Approach 1:
The patent introduces a payments platform as an intermediary layer between clients and multiple payment gateways. This platform provides standardized APIs that clients use, while the platform handles the complexity of integrating with different payment gateway services internally. The intermediary abstracts away the heterogeneity of different payment gateway APIs, allowing clients to perform payment transactions without directly dealing with multiple different API interfaces.
Solution Approach 2:
The patent segments the payment processing system into distinct layers: the client layer, the payments platform layer, and the payment gateway layer. By dividing the system this way, the complexity of integrating with multiple payment gateways is isolated to the payments platform layer, while clients interact only with the simplified platform API. This segmentation allows each layer to be developed and maintained independently.
2Adaptability or versatility
If clients integrate with multiple payment gateways directly, then payment transaction capability is achieved, but data model consistency deteriorates
Solution Approach 1:
The payments platform provides a universal data model and standardized API interface that works across all payment gateway integrations. This universal interface ensures data model consistency by providing a single, consistent way for clients to interact with payment transactions regardless of which underlying payment gateway is being used. The platform translates between this universal data model and the various data models of different payment gateways internally.
3Adaptability or versatility
If a pluggable architecture with customizable adapters is implemented, then adaptability to different payment gateways is improved, but system complexity increases
Solution Approach 1:
The patent implements a dynamic, pluggable architecture where payment gateway adapters can be added, removed, or updated without affecting the core payments platform. This dynamic design allows the system to adapt to different payment gateways through standardized adapter interfaces, while the underlying platform remains unchanged. The adaptability is achieved through modular components that can be configured at runtime.
Solution Approach 2:
The patent uses adapter patterns that create standardized copies or representations of different payment gateway interfaces. Each adapter translates the unique interface of a payment gateway into the standardized payments platform interface. This copying approach allows multiple different payment gateways to be supported through unified adapter implementations rather than requiring direct integration logic for each gateway.
4Adaptability or versatility
If payment gateway integration is handled externally without native support, then implementation flexibility is maintained, but ease of operation decreases
Solution Approach 1:
The payments platform provides self-service capabilities through standardized APIs and configuration interfaces that allow clients to easily integrate payment functionality without needing to implement complex custom integration logic. The platform handles authentication, transaction processing, and data normalization automatically, reducing the operational burden on clients while maintaining flexibility in supporting multiple payment gateways.
Data Source
AI summary
A cloud-based computing system is provided that includes a payments platform for integrating payment gateway services with a cloud computing platform so that clients of the cloud computing platform can perform payment transactions with customers via the cloud computing platform. The payments platform can use external and internal operating modes for ingesting new or old payment transaction data from the payment gateway services at the cloud computing platform.