Intermediate Server Mediates Card Reader and Smart Card Transaction
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Solution Overview
Problem
Merchants face inconvenience and additional costs when providing paperless transactions, such as smart card services, due to the need for specific electronic devices and hardware to connect with financial service providers' transaction servers, limiting flexibility.
Innovation Solution
A card reading transaction system that includes a transaction control device, an intermediate server, a smart card server, an internet dongle, and a card reader, allowing merchants to connect to the smart card server through the intermediate server without additional hardware, using an internet connection to facilitate debit or credit transactions with smart cards.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If merchants use specific electronic devices and hardware to connect with financial service providers' transaction servers, then transaction service can be provided, but device complexity and costs increase
Solution Approach 1:
The patent introduces an intermediate server as a mediator between the card reader and the smart card server. The intermediate server receives transaction requests from the card reader, forwards them to the smart card server, and relays responses back. This intermediary approach eliminates the need for merchants to directly connect with multiple financial service providers' servers, reducing hardware complexity while maintaining reliable transaction service.
2Reliability
If merchants apply for authorized transaction devices from financial service providers, then smart card transaction can be performed, but ease of operation decreases due to additional application processes
Solution Approach 1:
The intermediate server acts as a universal access point that handles authentication and communication with the smart card server. Merchants only need to connect to the intermediate server rather than applying for separate authorized devices from each financial service provider. This significantly simplifies the setup process while maintaining secure smart card transaction capabilities.
3Adaptability or versatility
If merchants use multiple specific electronic devices for different paperless transactions, then various transaction types can be supported, but adaptability decreases due to hardware constraints
Solution Approach 1:
The intermediate server provides a universal interface that supports multiple transaction types (credit cards, smart cards, mobile payments) through a single system. Instead of requiring merchants to deploy different specialized devices for each transaction type, the intermediate server handles various transaction protocols and communicates with different card types through a unified architecture, enhancing versatility while reducing hardware variety.
Data Source
AI summary
A card reading transaction system includes a transaction control device, an intermediate server, a smart card server, an internet dongle, and a card reader. The transaction control device transmits a transaction message according to a transaction type and a transaction amount. The intermediate server generates a transaction request message according to the transaction message. The smart card server generates a transaction confirmation message according to the transaction request message. The intermediate server generates a first card reader operation message according to the transaction confirmation message, and converts a transmission format of the first card reader operation message to generate a second card reader operation message. The internet dongle converts a transmission format of the second card reader operation message received through the internet to generate a third card reader operation message for the card reader to debit or credit the transaction amount.