Transaction Management Controller for POS Network Certification Isolation
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Solution Overview
Problem
Configuring POS terminals and business applications to accept and process payment transactions is complex and time-consuming, requiring sophisticated programming knowledge and network certification, which is also complex and time-consuming.
Innovation Solution
A transaction management controller that receives transaction amounts and payment card data, inserts them into authorization request messages, and communicates with payment networks, while being isolated from the business management engine, simplifying configuration and reducing complexity.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If POS terminals and business applications are configured to support various payment networks and card readers, then payment processing capability is improved, but configuration complexity and time consumption increase
Solution Approach 1:
The patent introduces a transaction management controller as an intermediary component between the business application and the payment processing infrastructure. This controller handles the complexity of communicating with multiple payment networks and card readers, while the business application only needs to interact with the simplified controller interface. The controller mediates the complex configuration requirements, allowing the business application to remain simple while supporting versatile payment processing.
Solution Approach 2:
The system is segmented into distinct functional components: the business application layer, the transaction management controller layer, and the payment processing infrastructure layer. By separating the complex payment network communication functions into a dedicated controller component, the overall system configuration complexity is reduced while maintaining the ability to support multiple payment networks and devices.
2Reliability
If POS terminals require certification by various payment networks, then payment security and compliance are improved, but certification time and effort increase
Solution Approach 1:
The transaction management controller serves as a certified intermediary that handles all communication with payment networks according to their security requirements. By concentrating the certification requirements on this single controller component rather than requiring every POS terminal to be individually certified by multiple networks, the overall certification time and effort are significantly reduced while maintaining security and compliance standards.
3Device complexity
If business management engine directly communicates with point of interaction device, then data flow is simplified, but security risks and configuration complexity increase
Solution Approach 1:
The transaction management controller acts as a secure intermediary between the business management engine and the point of interaction device. This architecture maintains clear separation of concerns while enhancing security - the business management engine does not directly access sensitive payment data, instead communicating through the controller which handles all security-sensitive operations. This intermediate layer actually simplifies the communication architecture for the business application while improving security.
Data Source
AI summary
Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller for receiving a transaction amount for a payment transaction from a business management engine and payment card data for the payment transaction from a point of interaction device. The transaction management controller inserts the transaction amount and the payment card data into a payment authorization request message, which is transmitted to a payment network. A payment authorization response message is received from the payment network and transmitted by the transaction management controller the business management engine. Other embodiments are described and claimed.