Dynamic API Template System for Payment Data Onboarding
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Solution Overview
Problem
Existing systems for onboarding an acquirer system in electronic payment processing networks require significant development efforts due to the need for reconfiguring static screens to conform to varying data formats, leading to a cumbersome and time-consuming development cycle.
Innovation Solution
A method and system for dynamic development of an API using a data agnostic template with a graphical user interface, where template fields are assigned specific data entries and display parameters are associated with each data parameter, allowing for efficient conversion of data files from one format to another, reducing the need for hardcoding and speeding up the onboarding process.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If static screens are reconfigured to conform to varying data formats, then data format compatibility is improved, but development time and complexity increase significantly
Solution Approach 1:
The patent transforms static screens into dynamic, configurable interfaces that can adapt to different data formats without requiring redevelopment. The system uses runtime configuration parameters and metadata-driven templates to dynamically generate UI elements, allowing the same screen framework to handle multiple data formats (e.g., ISO 8583, XML, JSON) by loading appropriate configuration sets rather than maintaining separate static screens for each format.
Solution Approach 2:
The invention introduces configuration parameters and metadata that define data format characteristics. By changing these parameters (data type, length, format specifications), the system automatically adjusts the screen display and data handling behavior. This allows a single screen template to serve multiple formats by parameter substitution rather than structural modification.
2Adaptability or versatility
If static screens are reconfigured to conform to varying data formats, then data format compatibility is improved, but development complexity increases
Solution Approach 1:
The patent creates a universal screen framework that can handle multiple data formats through a common architecture. The system uses format-agnostic template definitions with placeholder elements that are populated based on the target format. This multi-functional approach allows the same development team to work with a single codebase that automatically adapts to different formats, reducing the complexity multiplication that would otherwise result from maintaining separate screen versions for each format.
Solution Approach 2:
The invention introduces configuration files and metadata schemas as intermediary layers between the static screen definitions and the actual data formats. These intermediaries contain format-specific mappings and transformation rules, allowing the screen framework to remain simple while handling complex format variations through the intermediary configuration layer rather than through complex screen logic.
3Adaptability or versatility
If custom APIs are developed for each client's data format, then client-specific requirements are met, but onboarding time increases
Solution Approach 1:
The patent implements pre-defined API templates and configuration schemas that anticipate common client data formats and requirements. During the onboarding process, the system performs preliminary configuration by matching the client's data format against known templates and automatically generating the appropriate API implementation. This preliminary action eliminates the need for scratch development for each client, allowing rapid deployment once the format is identified.
Solution Approach 2:
The invention uses template copying and instantiation mechanisms where proven API patterns for common data formats are stored as reusable templates. When a new client is onboarded, the system copies the appropriate template and customizes it with client-specific parameters rather than developing from scratch. This copying approach maintains client-specific customization while dramatically reducing development time through template reuse.
4Loss of information
If comprehensive data fields are included in onboarding screens, then data completeness is improved, but screen complexity and user difficulty increase
Solution Approach 1:
The patent divides comprehensive data collection into segmented, modular screen sections based on data category or functional group. Each segment can be independently configured and displayed, allowing the system to present only relevant segments based on the client's specific requirements. This segmentation maintains data completeness by ensuring all necessary fields are available while improving usability by allowing progressive disclosure and optional segmentation of complex forms.
Solution Approach 2:
The invention implements dynamic screen rendering that adjusts the displayed fields and sections based on the client's data format configuration and requirements. The system dynamically determines which data fields are necessary for each client type and renders only those segments, keeping the interface simple for each specific case while maintaining the capability to collect comprehensive data across different client types. Configuration parameters control which segments are active and visible.
Data Source
AI summary
A method for dynamic development of an application programming interface (API) including: receiving a first data file; generating an API configured to receive client data associated with a transaction message, where the generating the API includes: providing a data agnostic template; for each specific data parameter of the plurality of specific data parameters, assigning each template field with a corresponding specific data entry associated with the specific data parameter; and configuring a second user interface associated with the API by associating at least one display parameter with each specific data parameter of the plurality of specific data parameters; and displaying the second user interface such that a field displayed by the second user interface is configured to receive the data associated with each specific data parameter of the plurality of specific data parameters.