POS Transfer Service Interface for Real-Time Payment Confirmation

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Solution Overview

Problem

Traditional third-party transaction processing devices have limited compatibility with various resource transfer options, preventing secure and efficient point-of-sale transactions using services like Zelle®.

Innovation Solution

Integrating a transaction processing device with a transfer service, enabling real-time confirmation of transactions through a merchant identifier and transaction information exchange between the device and a customer device, and utilizing a transfer service computing system to verify and complete resource transfers.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If traditional third-party transaction processing devices are used, then basic card transactions can be processed, but compatibility with various resource transfer options is limited

Engineering Contradiction:

Improvecompatibility with resource transfer optionsVSAvoiddevice architecture

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The transaction processing device is enhanced to support multiple resource transfer options (ACH, wire transfers, same-day transfers, international transfers) in addition to traditional card transactions. The device includes a transfer service interface that enables it to function as both a traditional payment terminal and a multi-channel transfer initiation device, allowing single device to serve multiple transfer purposes

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If transfer service integration is added to enable multiple transfer options, then adaptability improves, but device complexity increases

Engineering Contradiction:

Improvetransfer service compatibilityVSAvoidsystem integration

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

A transfer service interface acts as an intermediary layer between the transaction processing device and multiple transfer service providers. This interface handles the complexity of integrating with different transfer networks (ACH, wire, same-day) while presenting a unified, simplified interface to the merchant and customer, thereby improving adaptability without significantly increasing operational complexity

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If real-time transaction confirmation is implemented, then transaction reliability improves, but processing time increases

Engineering Contradiction:

Improvetransaction confirmationVSAvoidtransaction processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system implements real-time feedback loops where the transaction processing device immediately communicates with the transfer service interface and transfer service providers to obtain confirmation status. This continuous feedback mechanism provides reliable transaction confirmation without significant time delay, as the system proactively seeks and processes confirmation information during the transaction flow

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS20260065252A1Systems and methods for point-of-sale resource transfers via a transfer service

Publication Date: 2026.03.05 WELLS FARGO BANK NA

AI summary

A method includes: receiving transfer service information associated with the merchant, the transfer service information including a merchant identifier for a merchant and associated with a transfer service provided by a transfer service entity; receiving transaction information associated with a transaction at a point of sale from a merchant computing system of the merchant; providing the transfer service information and the transaction information to a customer device of a customer during the transaction at the point of sale; receiving a notification indicating that a transfer of resources corresponding to the transaction has been completed; and in response to verifying that the transaction has been completed, performing a transaction completion action.