POS Terminal EMV Transaction Callout Manager
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing EMV-compliant POS terminals lack flexibility and functionality in transaction processes, limiting the integration of additional security measures and value-added services.
Innovation Solution
The introduction of 'callouts' and prompts in the EMV transaction process, allowing the POS terminal to interact with various endpoints for additional data collection and processing beyond standard EMV flows, facilitated by a callout manager program that enables interactions with issuer servers, merchant servers, and mobile devices.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If standard EMV transaction process is used, then compliance with established protocols is maintained, but flexibility and functionality are limited
Solution Approach 1:
The transaction process is segmented into standard EMV steps and optional callout steps. The callout manager divides the transaction flow into discrete points where additional interactions can occur, allowing flexibility without disrupting the core EMV protocol structure.
Solution Approach 2:
A callout manager program acts as an intermediary between the standard EMV transaction process and additional value-added services. This intermediary component enables enhanced functionality by mediating between the base protocol and optional extensions, resolving the contradiction between maintaining standard compliance and adding flexibility.
2Reliability
If additional security measures and value-added services are integrated, then transaction security and functionality are enhanced, but the transaction process becomes more complex
Solution Approach 1:
The system performs preliminary actions by establishing callout definitions and parameters before the actual transaction occurs. The callout manager is pre-configured with security requirements and service options, allowing these enhancements to be integrated systematically without increasing operational complexity during the transaction itself.
Solution Approach 2:
The callout manager provides universal functionality that can accommodate multiple security measures and value-added services through a single unified interface. Rather than implementing separate complex systems for each security measure or service, the universal callout mechanism handles diverse requirements through standardized parameters and procedures.
3Loss of information
If interactions with multiple endpoints are enabled, then data collection and processing capabilities are improved, but the ease of operation is reduced
Solution Approach 1:
The callout manager automatically manages interactions with multiple endpoints without requiring manual configuration for each interaction. The system performs self-service by autonomously routing transactions to appropriate endpoints based on pre-defined callout parameters, reducing the operational burden on users while maintaining comprehensive data collection capabilities.
Solution Approach 2:
The system implements feedback mechanisms where the callout manager receives responses from multiple endpoints and automatically processes the information. This feedback loop enables comprehensive data collection while simplifying operation, as the manager handles the complexity of multi-endpoint interactions and presents unified results to the user.
Data Source
AI summary
A point of sale (POS) terminal is programmed to execute EMV transactions by interaction with payment devices in accordance with a standard EMV transaction flow. An EMV transaction is commenced at the POS terminal with a particular payment device. The POS terminal receives a request from the payment device to interrupt the EMV transaction. The POS terminal responds to the request by interrupting the EMV transaction and taking an action indicated by the request. The action is not required for execution of the standard EMV transaction flow.