Standardization Method for Erroneous Transactions

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Solution Overview

Problem

The existing UnionPay erroneous transaction network faces challenges due to a lack of universal development interfaces, poor operation stability, and high development costs for member institutions, resulting in inefficient access and increased costs.

Innovation Solution

A standardization method and apparatus that converts erroneous service invocation requests into standardized XML messages, encrypts sensitive data using a preset certificate database, and sends them through a two-way authenticated secure communication link to the UnionPay erroneous transaction network, providing a unified interface for member institutions to access the network.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If member institutions develop their own client systems based on their own implementation technologies and system environments, then each institution can access the UnionPay erroneous transaction network, but the systems lack universal development interfaces, have poor operation stability, and cannot be applied to other member institutions

Engineering Contradiction:

Improveuniversal applicability of client systemVSAvoidoperation stability

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The patent creates a universal standard client system that can be applied to all UnionPay member institutions regardless of their individual implementation technologies and system environments. This standard client system provides unified development interfaces and can be deployed across different institutions, eliminating the need for each institution to develop separate custom systems while maintaining high operation stability through standardized protocols and procedures

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Ease of manufacture

If member institutions build customized client terminals for accessing the UnionPay erroneous transaction network, then they can meet their specific access requirements, but the development cycle is long, testing problems are numerous, and operation error rate is high

Engineering Contradiction:

Improvedevelopment efficiencyVSAvoiddevelopment cycle

Core Design Contradiction:

Ease of manufactureVSLoss of time

Solution Approach 1:

The patent establishes standardized client system templates, development interfaces, and testing protocols in advance that can be directly applied by member institutions. This preliminary standardization work has already been completed and validated, so when institutions need to access the UnionPay erroneous transaction network, they can deploy these pre-prepared solutions without undergoing lengthy custom development and testing cycles, significantly reducing time loss

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent creates a replicable standard client system model that can be copied and deployed across multiple member institutions. Instead of each institution developing unique custom systems, they can copy the standardized client terminal design, implementation framework, and access protocols, thereby dramatically reducing development effort, testing requirements, and operation error rates while maintaining consistency across the network

Inventive Principle:

Principle #26Copying

3Ease of operation

If each member institution develops independent client systems with different operating environments, then they can access the UnionPay erroneous transaction network, but the cost of accessing the network increases significantly

Engineering Contradiction:

Improveaccess capabilityVSAvoidaccess cost

Core Design Contradiction:

Ease of operationVSLoss of energy

Solution Approach 1:

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS12118539B2Standardisation method and apparatus for erroneous transactions

Publication Date: 2024.10.15 CHINA UNIONPAY

AI summary

A standardisation method and apparatus for erroneous transactions: receiving an erroneous service invocation request sent by a client terminal, and converting the erroneous service invocation request into a standard format exchange message; on the basis of a preset certificate database, encrypting sensitive data areas in the exchange message to generate encrypted message areas; signing key fields in the exchange message to generate signed message areas; and, by means of a two-way authenticated secure communication link, sending the exchange message comprising the encrypted message areas and the signed message areas to a UnionPay erroneous transaction network. The embodiments provide a unified interface for interfacing client terminals to access a UnionPay erroneous transaction network; each UnionPay member institution only needs to invoke the interface assembly provided in the embodiments of the present invention to be able to interface with the UnionPay erroneous transaction network, improving development efficiency and operating stability.