Payment Terminal Data Object Cache for EMV Transaction Speed
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Solution Overview
Problem
Electronic transaction processing systems using EMV cards face delays due to the need for continuous connection between the EMV chip and the payment terminal during initialization and transaction processing, which is inconvenient for customers and merchants.
Innovation Solution
Implementing a data object cache in the payment terminal that allows for partial processing of data objects from the EMV card, enabling parallel transaction processing by predicting and pre-fetching required data objects based on known card types, issuers, and transaction characteristics, and optimizing record reading through centralized system analysis.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the EMV chip and payment terminal remain connected during initialization and transaction processing, then data exchange and transaction completion are ensured, but transaction processing time is extended
Solution Approach 1:
The system performs preliminary actions by predicting which data objects will be needed for upcoming transactions and pre-fetching them from the EMV card while the card is still connected. This allows the terminal to have required data ready before the actual transaction initiates, reducing waiting time while ensuring data availability when needed.
Solution Approach 2:
The patent segments the data retrieval process into distinct phases: prediction of needed data objects, pre-fetching of predicted objects, and actual transaction processing. This segmentation allows overlapping of operations where data preparation occurs in parallel with other terminal tasks, reducing the critical path duration without compromising transaction integrity.
2Loss of information
If all records are retrieved from the EMV card before transaction processing, then complete data availability is ensured, but connection time and processing delays increase
Solution Approach 1:
The system applies partial action by retrieving only the specific data objects predicted to be needed for upcoming transactions, rather than fetching all possible records from the EMV card. This selective approach ensures sufficient data completeness for transaction processing while significantly reducing the time and connection duration required compared to retrieving all records.
Solution Approach 2:
By performing preliminary prediction of data object requirements and pre-fetching only those specific objects, the system prepares sufficient data in advance without the overhead of retrieving unnecessary records. This maintains data completeness for transaction needs while minimizing connection time.
3Loss of information
If the payment terminal processes all EMV card records sequentially, then thorough data acquisition is achieved, but transaction throughput and efficiency decrease
Solution Approach 1:
The patent segments the data acquisition process into targeted retrieval of specific data objects based on prediction algorithms, rather than sequential processing of all EMV card records. This segmentation enables parallel processing of multiple prediction-based retrieval operations and allows the terminal to interleave data acquisition with other transaction processing tasks, significantly improving throughput.
Solution Approach 2:
The system performs partial action by acquiring only the subset of data objects predicted to be necessary for upcoming transactions, rather than thoroughly processing all records. This approach achieves sufficient data acquisition for transaction needs while enabling concurrent operations and improving overall system productivity.
Data Source
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AI summary
A payment terminal such as a payment reader may receive and form electrical connections with an electronic transaction card such as an EMV chip card. The payment terminal may provide power to the electronic transaction card and initiate communications with the electronic transaction card. One or more records may be acquired from the electronic transaction card. Data objects may be extracted from those records and stored in a cache. Data objects may be needed to process transactions. If the data object is available from the data cache or is otherwise received prior to all records being received, transactions may be processed prior to the acquisition of all records from the electronic transaction card.