Unified Payment Message Interface for POS Latency Reduction
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Solution Overview
Problem
Developers of point of sale (POS) and card reader devices face complexity in communicating with multiple interfaces, requiring separate connections for credit/debit, loyalty programs, and pinpad controllers, which increases network traffic and latency.
Innovation Solution
A payment message interface (PMI) system that uses an XML-based service with Java's JAXB to accept messages from multiple POS devices, allowing a single connection to access all electronic payment systems, translating transaction requests into native interfaces and providing a high-level protocol interface for easier modifications.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If separate connections are used for each payment interface (credit/debit, loyalty programs, pinpad controllers), then each interface can be accessed independently, but network traffic increases and latency increases
Solution Approach 1:
The patent combines multiple separate payment interfaces (credit/debit card processor, loyalty program interface, pinpad controller) into a single unified payment message interface. This consolidation allows all payment-related communications to occur through one connection, reducing network traffic and latency while maintaining the ability to access all necessary payment functions through the unified interface.
2Adaptability or versatility
If separate connections are used for each payment interface, then each interface can be accessed independently, but device complexity increases
Solution Approach 1:
The unified payment message interface is designed to perform multiple functions that were previously handled by separate interfaces. It can process credit/debit card transactions, communicate with loyalty programs, and control pinpads all through a single connection. This multi-functionality reduces device complexity by eliminating the need to manage multiple separate connections while maintaining full payment processing capabilities.
Solution Approach 2:
The unified payment message interface acts as an intermediary layer between the POS device and multiple payment systems. It translates and routes messages to the appropriate backend systems (card processor, loyalty program, pinpad controller) while presenting a single connection point to the POS device. This mediator approach simplifies connection management while preserving access to all necessary payment functions.
3Reliability
If binary dependencies exist between POS systems and payment engine, then direct communication is possible, but independent modifications become difficult
Solution Approach 1:
The patent segments the payment system into distinct modular components: the POS device, the unified payment message interface, and the backend payment processors. Each component has a defined interface and can be modified independently. The POS device sends standardized payment messages through the unified interface without direct binary dependencies on specific payment engine implementations, allowing independent development and modification of each segment while maintaining reliable communication through standardized protocols.
Data Source
AI summary
Systems and methods for providing a payment messaging interface may include receiving, at a computing device comprising a processor, transaction information regarding the transaction. Once the transaction information is received, the transaction information may be translated into a data structure that corresponds to a payment processor. Once the transaction information has been translated, the data structure may be transmitted to the payment processor.