JSON Binary Translation Layer for Payment Testing

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Solution Overview

Problem

The complexity of electronic payment processes, including credit and debit card authorizations and settlements, poses challenges for software developers due to differences in data formats and processing entities, leading to cumbersome coding and testing in microservices environments, particularly in financial transactions.

Innovation Solution

A system and method for generating and testing authorization and settlement transactions using human-readable JSON files, which are converted into binary formats for processing, allowing developers to create test scenarios and simulate transactions without intricate knowledge of vendor formatting, facilitating robust feature development and testing in microservices environments.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If developers implement code for electronic payment processing, then payment transactions can be processed, but the complexity of coding and testing increases due to different data formats and processing entities

Engineering Contradiction:
Improvepayment processing capabilityVSAvoidcoding and testing complexity
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The patent introduces an intermediary layer that translates between human-readable JSON test data and the complex binary formats required by payment processors. This intermediary translation layer shields developers from the complexity of vendor-specific formatting requirements while maintaining full payment processing capability.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent creates simplified copies of real payment transactions in the form of JSON test data files. These copies contain all necessary transaction information in a human-readable format, allowing developers to test payment processing without dealing with the complexity of actual vendor formats.

Inventive Principle:
Principle #26Copying

2Reliability

If developers use vendor-specific binary formats for testing, then accurate transaction processing can be tested, but the ease of operation decreases due to intricate knowledge requirements

Engineering Contradiction:
Improvetransaction processing accuracyVSAvoiddeveloper usability
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The system acts as an intermediary that converts simple JSON test data into the complex binary formats required by vendors. Developers interact only with the simple JSON format, while the system automatically handles the translation to vendor-specific formats, ensuring both ease of use and processing accuracy.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent transforms the parameters of test data from human-readable JSON format to vendor-specific binary format automatically. This parameter transformation happens behind the scenes, allowing developers to work with simple parameters while the system handles the complex parameter requirements of vendor systems.

Inventive Principle:
Principle #35Parameter changes

3Reliability

If comprehensive test scenarios including rare cases are simulated, then system reliability is improved, but the time and resources required for testing increase

Engineering Contradiction:
Improvesystem reliabilityVSAvoidtesting time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The patent enables developers to prepare comprehensive test scenarios in advance using simple JSON files, including rare and edge cases. All test data can be prepared beforehand in a human-readable format, and the system automatically processes them through the translation layer, reducing the time required during actual testing phases.

Inventive Principle:
Principle #10Preliminary action

Data Source

PatentUS11630761B2Methods, systems, and media for generating test authorization for financial transactions
Publication Date: 2023.04.18 CAPITAL ONE SERVICES LLC
  • US11630761B2 patent drawing
  • US11630761B2 patent drawing
  • US11630761B2 patent drawing

AI summary

The present disclosure is directed to systems, media, and methods of generating test authorization for financial transactions. One or more computing devices generate an initial data set corresponding to a financial transaction. Alterations to one or more fields of information included in the initial data set are made responsive to instructions received via a user interface. Responsive to the alterations, the one or more computing devices: convert the test data set into a binary file, deserialize the binary file, and generate a transaction file for the financial transaction based on the deserialized test data set.