POS Tokenization Middleware for Multi-Protocol Payment Orchestration
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Solution Overview
Problem
Existing POS systems face substantial challenges in integrating multiple interfaces and protocols to facilitate seamless global tokenization and loyalty offerings across various POS, POI devices, network token providers, and hosted payment platforms, while adhering to complex data governance and regulatory requirements for credit card data handling.
Innovation Solution
An agnostic middleware solution with multiple interfaces and protocols, integrated with hosted services, enables seamless integration across POS, POI devices, network token providers, and payment platforms, ensuring compliance with data governance regulations by orchestrating global tokenization and loyalty functions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If multiple interfaces and protocols are integrated to support various POS, POI devices, network token providers, and hosted payment platforms, then the system's adaptability and versatility improve, but the device complexity and integration burden increase substantially
Solution Approach 1:
The patent implements a middleware component that serves as an intermediary layer between diverse POS systems, POI devices, network token providers, and hosted payment platforms. This middleware handles protocol translation, tokenization orchestration, and communication standardization, allowing the system to support multiple interfaces and protocols without requiring each component to directly integrate with every other component, thereby reducing overall integration complexity while maintaining high adaptability
2Adaptability or versatility
If global tokenization orchestration is implemented across multiple jurisdictions, then the system's versatility and compliance capability improve, but the device complexity and regulatory burden increase
Solution Approach 1:
The patent segments the tokenization and compliance management functions into distinct modular components. The middleware divides global tokenization orchestration into jurisdiction-specific modules, each handling local data governance requirements independently. This segmentation allows the system to comply with multiple jurisdictions' regulations through modular configuration rather than monolithic complex integration, reducing the perceived complexity while maintaining comprehensive compliance capability
3Reliability
If secure encryption and decryption of credit card data is performed through multiple systems, then the system's security and reliability improve, but the processing time and system complexity increase
Solution Approach 1:
The patent implements preliminary action by pre-provisioning tokens through the middleware before actual transactions occur. The system establishes secure encryption keys and token mappings in advance through automated orchestration with network token providers and hosted platforms. This preliminary setup reduces real-time processing delays during transactions, as the cryptographic infrastructure and token relationships are already established and validated before payment authorization is needed
Data Source
AI summary
An integrated selling system platform includes a point-of-sale application and middleware to perform global tokenization orchestration, that in combination, provide credit card reading device agnostic global token and provisioning operations. The middleware includes communication interfaces, each of which corresponds to a particular communication protocol. The middleware receives a token create request from the point of sale application and directly communicates, via one of the communication protocols, to a point-of-interaction payment device, to receive and securely encrypt the credit card number, then transmit that information to a hosted network token provisioning system to request a network token. Upon receiving the network token, the middleware communicates directly, via one or more protocols, to a global merchant tokenization host, to create a merchant specific token, to be returned by the middleware back to the point-of-sale client to use as a card-on-file payment method.