Payment Gateway SDK for Multi-Network Transaction Abstraction

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Solution Overview

Problem

Existing systems face challenges in facilitating seamless payment account transactions across multiple payment networks, as they require specific communication protocols and APIs for each network, leading to complexity and inefficiency in integrating remote payment options at virtual merchant locations.

Innovation Solution

The implementation of a software development kit (SDK) that converts standard network transactions into network-specific transactions, allowing remote payment platforms to integrate with various payment networks without redefining internal standards, by translating requests into API calls consistent with each payment network's protocols.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If specific communication protocols and APIs are implemented for each payment network, then reliable payment transactions can be facilitated, but system complexity increases significantly

Engineering Contradiction:

Improvepayment transaction reliabilityVSAvoidsystem integration complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent implements a payment gateway as an intermediary component that mediates between the merchant system and multiple payment networks. This gateway maintains a library of payment network modules, each encapsulating the specific protocols and APIs for different payment networks. When a transaction is initiated, the gateway automatically selects and invokes the appropriate module based on the payment network being used, thereby shielding the merchant system from the complexity of multiple payment protocols while ensuring reliable communication with each specific network.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent segments the payment processing system into independent, modular components - specifically, separate payment network modules that can be individually developed, maintained, and updated. Each module handles a specific payment network's protocols and APIs independently, allowing the system to manage multiple payment networks without the complexity of intertwined integrations. This modular segmentation enables the system to maintain reliability for each payment network while reducing overall system complexity through clear separation of concerns.

Inventive Principle:

Principle #1Segmentation

2Ease of operation

If remote payment options are integrated at virtual merchant locations, then consumer convenience is improved, but integration complexity and time increase

Engineering Contradiction:

Improveconsumer checkout convenienceVSAvoidintegration time

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The patent implements payment network modules that are pre-configured and pre-tested with all necessary communication protocols, APIs, and authentication mechanisms before being deployed. These modules are maintained in a ready-to-use library within the payment gateway, containing all the integration work that would otherwise need to be performed at the time of implementation. When a merchant needs to support a particular payment network, the pre-prepared module is simply instantiated and configured with minimal parameters, dramatically reducing integration time while enabling convenient remote payment options for consumers.

Inventive Principle:

Principle #10Preliminary action

3Adaptability or versatility

If multiple payment networks are supported, then payment versatility is improved, but communication complexity increases

Engineering Contradiction:

Improvepayment network versatilityVSAvoidcommunication protocol complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent creates a universal payment gateway architecture that can handle multiple payment networks through a common interface and standardized transaction flow. The gateway maintains a collection of payment network modules, each designed to work with the universal gateway framework. This allows the system to support diverse payment networks with different protocols and APIs while presenting a unified, consistent interface to merchants and consumers, thereby achieving payment versatility without proportionally increasing communication complexity.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS11270290B2Systems and methods for use in facilitating network transactions

Publication Date: 2022.03.08 MASTERCARD INT INC

AI summary

Systems and methods are provided for facilitating network transactions. One exemplary method includes converting, by a communication device, a request from a remote payment initiator associated with a merchant into a message to a payment network, via a software development kit (SDK) executed by a web browser of the communication device. The request is associated with a transaction to a payment account and includes at least one of: a browser cookie, a payment account number associated with the payment account, a card ID for the payment account, and a payment ID for the transaction. And, the message includes the at least one of: the browser cookie, the payment account number, the card ID, and the payment ID.