Distributed Payment Processing with Mediated Multi-System Coordination

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Solution Overview

Problem

Existing systems face challenges in efficiently processing and managing payment and non-payment information across multiple systems, leading to inefficiencies and potential security risks.

Innovation Solution

A multi-system distributed processing approach is implemented, utilizing a centralized authority or decentralized network to manage payment and non-payment information, integrating communication interfaces and payment processing devices to facilitate seamless transactions and information exchange.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If a centralized system processes all payment information, then transaction efficiency is improved, but security vulnerabilities increase

Engineering Contradiction:

Improvetransaction efficiencyVSAvoidsecurity vulnerabilities

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The patent segments the centralized payment processing system into multiple distributed processing nodes or systems. Each node handles specific payment information independently, eliminating the single point of failure while maintaining processing efficiency. This segmentation allows the system to process transactions in parallel across multiple nodes, improving overall throughput while reducing security risks associated with centralized data storage and processing.

Inventive Principle:

Principle #1Segmentation

2Reliability

If multiple systems process payment information independently, then security is improved, but transaction efficiency decreases

Engineering Contradiction:

ImprovesecurityVSAvoidtransaction efficiency

Core Design Contradiction:

ReliabilityVSProductivity

Solution Approach 1:

The patent implements a universal communication protocol and standardized data format that enables multiple independent processing systems to interact seamlessly. This multi-functionality allows each system to maintain its security independence while participating in a coordinated network that achieves efficient transaction processing through standardized interfaces and shared communication mechanisms.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent introduces intermediary components such as message queues, event buses, or coordination services that facilitate communication between independent processing systems. These intermediaries enable secure information exchange without requiring direct system-to-system connections, maintaining security boundaries while enabling efficient coordinated processing across the distributed network.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Ease of operation

If payment and non-payment information are processed separately, then information management is simplified, but system complexity increases

Engineering Contradiction:

Improveinformation managementVSAvoidsystem complexity

Core Design Contradiction:

Ease of operationVSDevice complexity

Solution Approach 1:

The patent merges the processing of payment and non-payment information into a unified distributed processing framework. Both types of information traverse the same communication channels and are handled by the same infrastructure components, reducing the number of separate systems needed while maintaining the ability to process different information types independently when necessary.

Inventive Principle:

Principle #5Merging (Combining)

Data Source

PatentUS12530715B2Multi-system distributed processing of payment and/or non-payment information

Publication Date: 2026.01.20 CFPH LLC

AI summary

Various systems and methods that may relate to referral and/or delivery services are described. Some embodiments may include communication using a payment processing device. Various other embodiments are described.