Gateway Service Platform Unified Payment Access
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Solution Overview
Problem
The Silo Framework for payment processing systems leads to inefficiencies such as redundancy, difficulty in integration, and slow updates due to independent implementation of each service layer, making it cumbersome to expand access to payment processing networks and integrate new services effectively.
Innovation Solution
A gateway service platform that provides unified access to payment processing systems via open networks like the internet, allowing multiple service systems to communicate and integrate seamlessly, eliminating the need for individual infrastructure modifications and enabling quick implementation of new features and access points.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of manufacture
If the Silo Framework is used to implement services independently, then each service can be developed and maintained separately, but redundancy increases and integration becomes difficult
Solution Approach 1:
The patent merges previously separate service infrastructure components (firewalls, database layers, connection interfaces) into a shared common platform. Multiple services now utilize the same infrastructure resources rather than each service maintaining its own complete set of components, thereby reducing redundancy while preserving independent service development capabilities.
Solution Approach 2:
The common platform is designed to serve multiple services universally. A single firewall layer, database layer, and connection interface infrastructure supports numerous different services, allowing these shared components to perform multiple functions across different service contexts rather than being dedicated to single services.
2Adaptability or versatility
If each service implements its own infrastructure layers, then services can be developed independently, but integration and common interface standardization become difficult
Solution Approach 1:
The patent combines the infrastructure layers into a shared common platform that all services access through standardized interfaces. This merging eliminates the need for each service to implement its own separate infrastructure, thereby simplifying integration while services retain their functional independence through the standardized access layer.
Solution Approach 2:
The common platform acts as an intermediary layer between services and the underlying infrastructure. Services interact with the platform through standardized interfaces, and the platform manages the infrastructure resources, thereby mediating between service independence requirements and integration needs.
3Ease of repair
If services are updated individually in the Silo Framework, then each service can be maintained separately, but the update process becomes burdensome and slow
Solution Approach 1:
The patent merges the maintenance of infrastructure components into a single common platform operation. When infrastructure updates are needed, they are performed once at the platform level rather than repeatedly across multiple services, significantly reducing the time and effort required for updates while services continue to be maintained independently.
Solution Approach 2:
The patent segments the system into two distinct layers: infrastructure components (managed centrally in the common platform) and service logic (maintained independently by individual services). This segmentation allows infrastructure updates to be performed independently of service updates, reducing overall maintenance time.
4Adaptability or versatility
If access to payment processing systems is expanded to multiple channels, then accessibility improves, but configuration complexity increases under the Silo Framework
Solution Approach 1:
The common platform is designed to handle multiple access channels (internet, telecommunication networks, other networks) through a unified infrastructure. The platform's connection interfaces and firewall layers are configured once to support multiple network types and access methods, thereby enabling access point expansion without proportionally increasing configuration complexity.
Solution Approach 2:
The patent merges the configuration of network access infrastructure into the common platform, where a single configuration manages multiple access channels. Instead of each service requiring separate configuration for each access channel, the shared platform consolidates these configurations, reducing overall complexity.
Data Source
AI summary
A gateway service platform is disclosed that provides access to a payment processing system via an open network such as the internet. The gateway service platform also provides access to service systems that provide a variety of services and applications offered by or affiliated with the payment processing system. The gateway service platform allows the payment processing system to reach users and to facilitate transactions on a wide variety of devices that may not otherwise be able to connect to payment processing system. Other devices, such as payment terminal devices, can also interact with a payment processing system through the gateway service platform using the same network and protocol. Embodiments of the invention allow devices on these open networks to connect with the payment processing system without having to change the existing infrastructure of the payment processing system.