Payment Terminal Web Server for POS Integration
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Solution Overview
Problem
Existing electronic payment processing systems require significant development effort to support multiple payment terminals from different providers, and often lack integration with web-based payment terminals, making configuration and reconfiguration cumbersome and time-consuming.
Innovation Solution
A transaction system that includes a payment terminal with a payment application for processing transaction requests and a web server for client-server communication, allowing the payment terminal to communicate with a POS system and an acquirer server, and utilizing a management services module to manage connections and provide connection information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If custom software is installed into the POS system to support multiple payment terminals, then payment terminal compatibility is improved, but device complexity increases
Solution Approach 1:
The patent implements a universal communication protocol that enables the POS system to work with multiple payment terminal types without requiring custom software installation. The protocol defines standard interfaces and message formats that different payment terminals can adhere to, allowing the POS system to handle various terminal types through a single unified software architecture.
Solution Approach 2:
The patent introduces a payment terminal abstraction layer that acts as an intermediary between the POS system and diverse payment terminals. This abstraction layer translates various terminal-specific protocols into a unified internal format, enabling compatibility without modifying the core POS system software for each terminal type.
2Adaptability or versatility
If configuration procedures are made comprehensive to support multiple terminals, then integration capability is improved, but ease of operation deteriorates
Solution Approach 1:
The patent implements automatic detection and configuration capabilities where the POS system automatically identifies connected payment terminals and configures appropriate communication parameters without user intervention. The system self-adapts to the terminal type by detecting its protocol and automatically adjusting settings, eliminating the need for manual configuration procedures.
Solution Approach 2:
The patent pre-configures the POS system with a library of known payment terminal protocols and communication methods. When a terminal is connected, the system already has the necessary configuration templates ready, allowing it to quickly match and configure the terminal without requiring comprehensive manual setup procedures during operation.
3Adaptability or versatility
If web-based payment terminals are integrated, then system versatility is improved, but reliability of transaction processing may deteriorate
Solution Approach 1:
The patent introduces a secure communication layer that acts as an intermediary between web-based payment terminals and the transaction processing system. This layer implements encryption, authentication, and data validation protocols that ensure the reliability of transactions even when processed through web-based interfaces, maintaining security standards equivalent to traditional terminals.
Solution Approach 2:
The patent dynamically adjusts communication parameters and security protocols based on the terminal type. For web-based terminals, the system applies specific security configurations including enhanced validation and encrypted communication channels, while maintaining the same core transaction processing reliability standards used for traditional payment terminals.
Data Source
AI summary
A payment terminal (2) is described. The payment terminal includes a payment application (6) for processing transaction requests and a web server, for example a websocket application (5) implementing a websocket server (4), for client-server communication over a communication channel with another transaction system device, for example a POS device. Transaction systems including the payment terminal (2) are also described, as are methods for a transaction system.