Dynamic Transaction Module Controller for POS Complexity
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Solution Overview
Problem
The configuration and certification of point-of-sale (POS) terminals and business applications to handle payment transactions are complex and time-consuming, requiring sophisticated programming and involving multiple payment networks and card readers, which is inefficient.
Innovation Solution
A transaction management controller manages payment authorization request messaging by receiving transaction amounts and types, initializing corresponding processing modules, and transmitting messages to payment networks, reducing complexity by isolating the business management engine from the point of interaction device and dynamically loading transaction processing modules.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If conventional POS terminals and business applications are configured to support various payment networks and card readers, then payment processing capability is improved, but configuration complexity and time consumption increase significantly
Solution Approach 1:
The system segments payment processing functionality into separate transaction processing modules that can be independently configured and loaded. Each module handles specific payment network protocols and card reader configurations, allowing the core POS terminal to remain simple while supporting multiple payment methods through modular additions.
Solution Approach 2:
The transaction management controller is designed as a universal platform that can execute different transaction processing modules for various payment networks (Visa, MasterCard, American Express, etc.) and card reader types. A single controller configuration supports multiple payment methodologies through dynamic module loading rather than requiring separate configurations for each payment type.
2Adaptability or versatility
If POS terminals are configured to support multiple payment networks and card readers, then payment processing versatility is improved, but certification process complexity increases
Solution Approach 1:
The certification process is segmented by isolating the complex payment network-specific logic into separate transaction processing modules. The core transaction management controller can be certified once as a universal platform, while individual modules can be certified independently for specific payment networks, reducing the overall certification burden compared to certifying the entire system for each payment network combination.
3Stability of the object's composition
If transaction processing modules are hard-coded into the base software environment, then system stability is improved, but system update flexibility and productivity decrease
Solution Approach 1:
The software architecture is segmented into a stable base environment containing the transaction management controller and loadable transaction processing modules. This segmentation allows the base environment to remain stable and certified while modules can be independently updated, added, or removed without altering the core system, thereby maintaining stability while enabling flexible updates.
Solution Approach 2:
The system transitions from a static hard-coded architecture to a dynamic modular architecture where transaction processing modules can be loaded and unloaded at runtime. This dynamic approach allows the system to adapt to new payment methods and update existing functionality without requiring base software modifications, improving update efficiency while preserving system stability through controlled module loading mechanisms.
4Reliability
If all transaction processing functionality is integrated into the base POS terminal software, then system reliability is improved, but computing resource requirements and configuration time increase
Solution Approach 1:
Transaction processing functionality is segmented into separate loadable modules that are only loaded when needed. The transaction management controller maintains system reliability by controlling module loading and execution, while individual modules contain specific payment processing logic. This segmentation reduces the computing resource requirements of the base system compared to having all functionality integrated, while maintaining reliability through controlled module execution.
Data Source
AI summary
Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller. The transaction management controller receives a transaction amount for a payment transaction from a business management engine and a payment transaction type from a point of interaction device. The transaction management controller initializes a transaction processing module that corresponds to the received payment transaction type. The transaction processing module defines payment processing parameters for processing payment transactions of the payment transaction type. The transaction management controller receives payment card data for the payment transaction from the point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller to the business management engine. Other embodiments are described and claimed.