Dynamic POS Verification Order Configuration
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Solution Overview
Problem
Traditional point-of-sale (POS) devices struggle to adapt to the diverse landscape of payment instruments and verification methods, leading to inefficient transactions, particularly when using mobile POS devices that may not comply with all card networks' requirements.
Innovation Solution
A POS device dynamically reconfigures the order of verification information based on attributes of the payment instrument, card network, and device capabilities, such as requesting a signature instead of a PIN when the card network does not accept PIN entries from certain devices, to ensure transaction authorization.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If a POS device uses a fixed order of verification information as specified by default CVM, then the device implementation is simple, but the device cannot adapt to different card network requirements and payment instrument attributes
Solution Approach 1:
The patent implements dynamic verification order configuration where the POS device automatically adjusts the sequence of verification information requests based on real-time detection of payment instrument attributes and card network requirements. The system transitions from a static, pre-configured verification order to a dynamic, context-aware verification process that adapts its behavior during transaction execution.
Solution Approach 2:
The system changes verification parameters (the order and type of verification information requested) based on detected attributes of the payment instrument and card network. By monitoring payment instrument attributes and dynamically adjusting verification parameters, the system achieves adaptability without requiring complex manual configuration for each card network scenario.
2Reliability
If a POS device requests verification information in the default CVM order, then the verification process is straightforward, but the transaction may be rejected when the card network does not accept certain verification methods from the device type
Solution Approach 1:
The system performs preliminary detection of payment instrument attributes and card network requirements before initiating the verification process. By pre-configuring the appropriate verification order based on detected attributes, the system avoids transaction rejection and eliminates the need for time-consuming retry attempts with incorrect verification sequences.
Solution Approach 2:
The system incorporates feedback mechanisms where the detected payment instrument attributes and card network responses inform the verification order configuration. This feedback loop ensures that the verification process is optimized for the specific transaction context, improving success rates while maintaining efficient processing times.
3Productivity
If a POS device uses a dynamic verification order based on payment instrument attributes, then the transaction efficiency is improved, but the device complexity increases
Solution Approach 1:
The POS device performs self-configuration of the verification order by automatically detecting payment instrument attributes and determining the appropriate verification sequence. This self-service capability eliminates the need for manual configuration and reduces operational complexity while maintaining high transaction efficiency through context-aware verification processes.
Data Source
AI summary
Techniques and arrangements for dynamically modifying an order of a cardholder verification method (CVM) implemented at a point-of-sale (POS) device. In some instances, the techniques instruct a POS device to determine a card network or other attributed associated with a received payment instrument and determine, based on this information, whether to implement a default order of a CVM or whether to modify the order of the CVM such that the POS device requests different verification information than if the POS device did not modify the order of the CVM.