Automated Access Token Provisioning via Server Intermediary

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Solution Overview

Problem

The existing process of provisioning access tokens to computing devices, such as mobile phones, is cumbersome and requires multiple user interactions, often involving different entities like token generation, authorization, and digital wallet providers, leading to user frustration and potential inhibition of account creation or token provisioning.

Innovation Solution

A method where a server computer receives user information, presents an account creation query, and automatically initiates account creation and provisioning of an access token without additional user input, streamlining the process and reducing the need for multiple entity interactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If the user interacts with multiple entities (token generation entity, authorization entity, digital wallet provider) to provision an access token, then security and proper provisioning are ensured, but the process becomes complex and frustrating for the user

Engineering Contradiction:
Improveprovisioning securityVSAvoiduser convenience
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The patent introduces a server computer as an intermediary that coordinates between the token generation entity, authorization entity, and digital wallet provider. This server acts as a central hub that manages the provisioning process, handling communications and data exchange between multiple entities while presenting a simplified interface to the user through the computing device.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent combines multiple provisioning steps and entity interactions into a single automated process. The account creation and token provisioning operations that previously required separate user actions are merged into one streamlined workflow where the server computer orchestrates the entire process automatically after initial user input.

Inventive Principle:
Principle #5Merging (Combining)

2Reliability

If multiple actions are required to create an account and provision access token, then proper authentication and setup are achieved, but the process takes more time and user effort

Engineering Contradiction:
Improveauthentication completenessVSAvoidprovisioning time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The server computer performs preliminary actions by pre-coordinating with the token generation entity and authorization entity before the user completes account creation. The system prepares the provisioning infrastructure in advance, so that once the user initiates account creation, the token provisioning can occur automatically without requiring the user to wait for sequential processing at each entity.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent implements continuous automated processing where the server computer maintains active coordination across all entities throughout the provisioning process. Instead of pausing for user input between steps, the system continuously manages the account creation and token provisioning workflow, keeping the process moving forward automatically until completion.

Inventive Principle:
Principle #20Continuity of useful action

3Reliability

If the user must open and interact with multiple entities to provision access data, then proper account setup is ensured, but user frustration increases and account creation may be inhibited

Engineering Contradiction:
Improveaccount setup completenessVSAvoidprovisioning process complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent extracts the complexity of multi-entity coordination from the user's responsibility and relocates it to the server computer. The user only needs to interact with their computing device to initiate account creation, while the complex interactions with the token generation entity, authorization entity, and digital wallet provider are extracted and handled automatically by the server system.

Inventive Principle:
Principle #2Taking out (Extraction)

Data Source

PatentUS10785212B2Automated access data provisioning
Publication Date: 2020.09.22 VISA INTERNATIONAL SERVICE ASSOCIATION
  • US10785212B2 patent drawing
  • US10785212B2 patent drawing
  • US10785212B2 patent drawing

AI summary

A method is disclosed. The method includes transmitting by a computing device, an account creation request to a remote server computer. The method further includes automatically provisioning the computing device with an access token in response to receiving a request to create the account.