Transaction Management Controller for Dynamic POS Configuration

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Solution Overview

Problem

The configuration and certification of point-of-sale (POS) terminals and business applications to manage payment transactions are complex and time-consuming, requiring sophisticated programming knowledge and involving multiple payment networks and card readers, which complicates the process.

Innovation Solution

A method and system for managing payment authorization request messaging, where a transaction management controller receives a transaction amount and type from a business management engine, initializes a transaction processing module based on the transaction type, and processes the transaction by requesting and inserting payment card data into a payment authorization request message, which is then transmitted to a payment network, with the ability to modify processing parameters remotely.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If conventional POS terminals and business applications are configured to support various payment networks and card readers, then payment transaction capability is improved, but configuration complexity and time consumption increase significantly

Engineering Contradiction:

Improvepayment transaction capabilityVSAvoidconfiguration complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system segments payment processing functionality into separate transaction processing modules, each dedicated to a specific payment network or card reader type. The transaction management controller dynamically loads only the required module based on the transaction type, avoiding the need to configure all possible payment methods simultaneously. This modular approach reduces configuration complexity while maintaining versatility.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The transaction management controller is designed as a universal platform that can handle multiple payment networks and card readers through a common interface. Instead of configuring separate systems for each payment method, the controller uses a single configuration mechanism that works across different payment types, simplifying the overall system complexity.

Inventive Principle:

Principle #6Universality (Multi-functionality)

2Adaptability or versatility

If POS terminals are configured to support multiple payment networks and card readers, then payment transaction versatility is improved, but certification process complexity increases

Engineering Contradiction:

Improvepayment network compatibilityVSAvoidcertification process complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The system separates certification requirements by segmenting functionality into discrete transaction processing modules. Each module can be independently certified for its specific payment network, rather than requiring the entire POS terminal to be certified for all possible networks. This modular certification approach reduces overall certification complexity.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The transaction management controller acts as an intermediary layer between the business application and various payment networks. This abstraction layer standardizes interactions with different networks, allowing certification to focus on the controller's standardized interface rather than on numerous specific integrations with each payment network.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Reliability

If transaction processing parameters are hard-coded into the POS terminal, then processing reliability is improved, but adaptability to different transaction types deteriorates

Engineering Contradiction:

Improvetransaction processing reliabilityVSAvoidtransaction type flexibility

Core Design Contradiction:

ReliabilityVSAdaptability or versatility

Solution Approach 1:

The system transitions from static, hard-coded parameters to dynamic parameter loading. Transaction processing parameters are stored in the transaction processing modules and loaded dynamically based on the transaction type. This allows the system to maintain reliable, tested parameters for each specific transaction type while adapting to different transaction requirements through module selection.

Inventive Principle:

Principle #15Dynamics

Solution Approach 2:

The system enables parameter changes by allowing different transaction processing modules to define their own parameters. When a transaction is initiated, the appropriate module is loaded, bringing its specific parameters into effect. This mechanism maintains parameter integrity for each transaction type while providing overall system flexibility.

Inventive Principle:

Principle #35Parameter changes

Data Source

PatentUS20230252468A1Dynamically configurable transaction management controller and method thereof

Publication Date: 2023.08.10 WORLDPAY LLC

AI summary

Technologies for managing payment authorization request messaging for payment transactions include a transaction management controller. The transaction management controller receives a transaction amount for a payment transaction from a business management engine and a payment transaction type from a point of interaction device. The transaction management controller initializes a transaction processing module that corresponds to the received payment transaction type. The transaction processing module defines payment processing parameters for processing payment transactions of the payment transaction type. One or more of the payment processing parameters are modified based on configuration data received from a remote configuration device. The transaction management controller processes the payment transaction as a function of the payment processing parameters. Other embodiments are described and claimed.