Friday, July 4, 2014


I define a turnstile for the purposes of this blog as a transition from one data structure to another while a payment instruction or its notification is in-flight. There are several classes of turnstiles within this general definition. There are turnstiles that add or subtract data from different versions of the same protocol (I call this a static turnstile) and there are turnstiles that change the data from one protocol to another (I call this a dynamic turnstile).  Diagram 14 displays payment flow through the different types of turnstiles and a valve (see previous blog).

Diagram 14 Turnstiles and a Valve within the Control Module of A Payment Hub

The turnstiles create different types of backpressure based on the nature of their function. If data is static for all flow then backpressure is minimal. If data is dynamic (i.e. unique within a set of values or unique for each transaction) then backpressure increases in strength.  I define unique for the purposes of this blog as an element of data associated with a transaction that remains unduplicated by the control process for the entire period under measure.

The inefficiency of payment hubs is a tangible measure directly related to backpressure. Increasing the use of turnstiles and valves correspondingly increases backpressure, thereby slowing down transaction flow, thereby increasing risk.

Surprisingly the payment industry wants to increase its use of turnstiles and valves thereby increasing transaction risk. EMV, for example in most cases will require the placement of at least two turnstiles (change of data originating from token, adding data to token data requiring uniqueness, and changing data to an application specific protocol) for each point of sale.  Once again the industry seems to believe that data required for the validation of the initiating entity coupled with data required for payment must use the same pathways while requiring completely different logical flows. It is remarkable that crazed greed blinds the industry to its principle function; safe transfer of money.

Next Blog: Smoke and Mirrors or something different

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