Payment Gateway Server Transaction Overhead Reduction
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Current financial transaction authorization systems face inefficiencies and increased complexity due to high communication overhead and the need for redundant data transmissions, particularly in handling multiple transactions and maintaining state across multiple servers in a cluster.
Innovation Solution
A payment processing gateway and protocol that utilize a public network interface to communicate financial authorization requests, incorporating a supplemental header for transaction identification and caching of merchant invariant data to reduce overhead and optimize performance, allowing for simultaneous communication with multiple financial networks and efficient handling of authorization requests and responses.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional authorization systems transmit complete data sets with each transaction, then data completeness is ensured, but communication overhead increases
Solution Approach 1:
The patent extracts and transmits only the supplemental header containing transaction-specific data, while merchant invariant data is cached separately at the gateway server. This extraction principle reduces the amount of data transmitted over the network while ensuring complete authorization processing through the combination of cached and transmitted data.
Solution Approach 2:
The gateway server performs preliminary actions by caching merchant invariant data before transactions occur. This pre-caching eliminates the need to retransmit this data with each authorization request, reducing communication overhead while maintaining data completeness for authorization decisions.
2Reliability
If merchant invariant data is transmitted with every authorization request, then data availability is improved, but transmission time increases
Solution Approach 1:
The system performs preliminary action by pre-caching merchant invariant data at the gateway server before authorization requests are received. This eliminates the need for repeated transmissions of the same data, significantly reducing transmission time while ensuring data availability for processing authorization requests.
Solution Approach 2:
The patent applies local quality by storing merchant invariant data locally at the gateway server in a cache memory. This local storage allows rapid retrieval of merchant data without network transmission, improving both data availability and reducing transmission time compared to centralized retrieval for each transaction.
3Reliability
If state information is maintained across multiple servers in a cluster, then system reliability is improved, but complexity of state management increases
Solution Approach 1:
The patent implements copying by replicating the cache memory state across multiple gateway servers in a cluster. Each server maintains a copy of the merchant invariant data cache, allowing any server to handle authorization requests independently. This copying approach improves system reliability through redundancy while keeping state management relatively simple through standardized data structures.
Solution Approach 2:
The system segments the gateway server functionality across multiple independent servers, each capable of handling authorization requests autonomously. This segmentation distributes the processing load and improves reliability, as failure of one server does not affect others. The standardized cache memory structure maintains simplicity despite the distributed architecture.
4Measurement precision
If complete transaction data is transmitted over the network, then data accuracy is ensured, but network bandwidth consumption increases
Solution Approach 1:
The patent extracts only the essential transaction-specific data in the supplemental header for transmission over the network, while merchant invariant data is retrieved from local cache. This extraction ensures data accuracy for the transaction being processed while minimizing network bandwidth consumption by avoiding transmission of redundant merchant data.
Solution Approach 2:
By pre-caching merchant invariant data at the gateway server, the system performs preliminary action that eliminates the need to retransmit this data with each authorization request. This maintains data accuracy for processing while significantly reducing network bandwidth consumption, as only the supplemental header needs to be transmitted.
Data Source
AI summary
A gateway server, point of sale device and protocol are provided for processing financial transactions. A public network interface is configured to couple to a public network and communicate financial authorization requests. The financial authorization requests can include, for example, transaction specific data, a merchant store or location invariant and a supplemental header. A gateway processor processes the financial transaction authorization requests and couples to a financial network interface configured to couple to at least one financial network. The gateway provides a response to the point of sale device based upon data received from the financial network and the authorization request.