Payment Conversion Module Unifying Diverse Terminal Formats

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Solution Overview

Problem

Existing payment conversion systems face challenges in efficiently converting payments across various formats, such as Web Services and XML, due to the need for specialized knowledge and manual processes, which are time-consuming and prone to errors, and require costly infrastructure and human intervention.

Innovation Solution

A payment conversion system that includes a conversion module capable of automatically converting payments from one format to a unified format, using tools like WSDL and XSD importers, and CXF libraries to generate Java code and configuration, enabling seamless communication across different payment terminals and networks.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If manual conversion processes are used for payments across various formats, then specialized knowledge can be applied to handle complex format requirements, but the process becomes time-consuming and prone to errors

Engineering Contradiction:
Improveconversion accuracyVSAvoidconversion time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The payment terminal automatically performs format conversion using integrated conversion modules and pre-configured conversion rules, eliminating the need for manual intervention. The system self-services by detecting the incoming payment format, selecting appropriate conversion rules, and executing the conversion process autonomously, thereby reducing both time loss and human error while maintaining high accuracy through systematic rule-based conversion.

Inventive Principle:
Principle #25Self-service

2Adaptability or versatility

If manual conversion processes are used for payments across various formats, then complex format requirements can be handled with specialized knowledge, but human intervention is required which increases costs

Engineering Contradiction:
Improveformat compatibilityVSAvoidimplementation cost
Core Design Contradiction:
Adaptability or versatilityVSEase of manufacture

Solution Approach 1:

The payment terminal incorporates a universal conversion module that can handle multiple payment formats (Web Services, XML, etc.) through a single integrated system. This multi-functional module uses a library of conversion rules that can be configured to support various formats, eliminating the need for separate manual conversion processes for each format type. The system achieves broad format compatibility while reducing implementation costs through automation and standardized conversion mechanisms.

Inventive Principle:
Principle #6Universality (Multi-functionality)

3Productivity

If automated conversion is implemented, then conversion speed and efficiency are improved, but the system complexity increases requiring sophisticated conversion modules

Engineering Contradiction:
Improveconversion efficiencyVSAvoidsystem architecture
Core Design Contradiction:
ProductivityVSDevice complexity

Solution Approach 1:

The automated conversion system is segmented into distinct functional modules: a format detection module that identifies incoming payment formats, a rule selection module that chooses appropriate conversion rules, and an execution module that performs the actual conversion. This segmentation allows the system to achieve high conversion efficiency through specialized sub-modules while managing complexity by organizing functions into discrete, manageable units that can be independently configured and maintained.

Inventive Principle:
Principle #1Segmentation

Data Source

PatentUS10943222B2Devices and methods for payment handling
Publication Date: 2021.03.09 NCR ATLEOS CORP
  • US10943222B2 patent drawing
  • US10943222B2 patent drawing
  • US10943222B2 patent drawing

AI summary

A method can include receiving a first payment from a first payment terminal in a first format, converting the first payment to a unified format, receiving a second payment from a second payment terminal in a second format different from the first format, and converting the second payment to the unified format.