Message Format Translator for Payment Systems
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Solution Overview
Problem
Participants in payment card transactions face challenges in setting up and managing both single-message and dual-message systems, incurring additional costs and requiring technical knowledge, which can lead to operational hurdles and delays in processing transactions.
Innovation Solution
A method and system for translating messages from a system-agnostic format to specific predetermined formats based on transaction channels, such as ATM or POS, allowing for simplified management of both transaction types without the need for complex system configurations or additional infrastructure.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If participants set up both dual-message and single-message systems at their end, then both types of transactions can be processed, but additional costs are incurred for implementation and technical support
Solution Approach 1:
The patent introduces a message format translator as an intermediary component that converts between dual-message and single-message formats. This translator acts as a mediator between the participant's system and the payment gateway, allowing the participant to use a single message format internally while automatically translating to the required format for each transaction type, thereby eliminating the need to implement and maintain both message systems simultaneously
Solution Approach 2:
The message format translator is designed to handle multiple transaction types (both dual-message and single-message) through a single unified system. The translator can dynamically determine the required message format based on transaction characteristics and perform appropriate conversions, providing universal functionality that replaces the need for separate dedicated systems for each transaction type
2Adaptability or versatility
If participants implement both dual-message and single-message formats, then both transaction types can be managed, but technical knowledge burden increases and operational errors may occur
Solution Approach 1:
The message format translator serves as an intelligent intermediary that automatically determines the appropriate message format based on transaction parameters and performs the necessary conversions. This eliminates the need for operators to have deep knowledge of both message formats, as the translator handles the complexity internally while presenting a simplified interface to the participant's system
Solution Approach 2:
The translator system incorporates automatic format detection and selection capabilities, where the system itself determines the appropriate message format based on transaction characteristics without requiring manual configuration or expert intervention. The system self-adjusts to handle different transaction types using the appropriate format, reducing operational complexity
3Adaptability or versatility
If additional equipment such as routers, switches or interface processors is deployed to implement both message systems, then both transaction types can be processed, but infrastructure costs increase and delivery delays cause operational inconvenience
Solution Approach 1:
The patent merges the functionality of multiple separate message systems into a single unified system with an integrated translator component. Instead of requiring separate infrastructure paths for dual-message and single-message systems, the translator consolidates both message format handling capabilities into one system, reducing the need for additional routers, switches, or interface processors
Solution Approach 2:
The message format translator is designed as a universal component that can handle both dual-message and single-message formats through a single infrastructure pathway. This multi-functional translator eliminates the need for dedicated hardware infrastructure for each message type, allowing both transaction types to be processed through shared infrastructure resources
Data Source
AI summary
The present application provides systems and methods for translating a message between a system agnostic format and one of a plurality of predetermined system formats. The methods comprise steps of receiving a message, from a first party, in a system agnostic format that comprises transactional properties of a transaction conducted at a financial service terminal, the transactional properties of the transaction at least comprising a channel of the transaction; and translating the message into one of a plurality of predetermined system formats in response to the channel of transaction.