Access Device Type Matching for Selective App Identification

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Solution Overview

Problem

Existing systems require users to indiscriminately enter credentials for transactions, leading to inefficiencies and unnecessary interactions, especially when multiple applications are present on user devices, and there is a need for selective application usage based on access device types.

Innovation Solution

User devices associate application identifiers with access device types, transmitting only relevant applications and determining necessary user interactions based on the access device type, reducing unnecessary data transmission and promptings.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Productivity

If the user device transmits all application identifiers to the access device, then the access device can select the appropriate application, but the data transmission volume increases and processing time is wasted

Engineering Contradiction:
Improvetransaction processing speedVSAvoiddata transmission volume
Core Design Contradiction:
ProductivityVSQuantity of substance

Solution Approach 1:

The patent extracts only the necessary application identifiers from the complete list and transmits them to the access device. The user device determines which applications are relevant based on the access device type identifier and transmits only those specific identifiers, eliminating unnecessary data transmission while ensuring the access device receives sufficient information for application selection.

Inventive Principle:
Principle #2Taking out (Extraction)

Solution Approach 2:

The patent segments the complete list of application identifiers into relevant and irrelevant portions based on the access device type. The user device divides the application set and transmits only the segment that corresponds to the specific access device type, reducing overall data transmission volume while maintaining transaction efficiency.

Inventive Principle:
Principle #1Segmentation

2Reliability

If the user device prompts the user to enter credentials for every transaction, then security is maintained, but user convenience deteriorates and transaction time increases

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

Solution Approach 1:

The patent performs preliminary identification of the access device type before initiating credential entry prompts. The user device determines the access device type identifier and uses this information to pre-assess whether credential entry is necessary, allowing the system to skip unnecessary prompts while maintaining security where required.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent makes the credential prompt behavior dynamic rather than static. The system adapts its authentication requirements based on the identified access device type, prompting for credentials only when the specific device type warrants enhanced security, and allowing seamless transactions for device types that do not require additional verification.

Inventive Principle:
Principle #15Dynamics

3Adaptability or versatility

If the user device transmits all application identifiers, then compatibility with all access devices is ensured, but processing efficiency decreases

Engineering Contradiction:
Improveaccess device compatibilityVSAvoidtransaction processing time
Core Design Contradiction:
Adaptability or versatilityVSLoss of time

Solution Approach 1:

The patent extracts only the application identifiers that are relevant to the specific access device type from the complete application list. By transmitting only the necessary subset rather than all applications, the system maintains compatibility with the specific access device while significantly reducing processing time and data transmission requirements.

Inventive Principle:
Principle #2Taking out (Extraction)

4Adaptability or versatility

If the user manually selects the application at the time of transaction, then the correct application can be chosen, but the operation becomes complex and time-consuming

Engineering Contradiction:
Improveapplication selection accuracyVSAvoiduser interaction complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent enables the user device to automatically perform application selection based on the access device type identifier. The system serves itself by determining which application is appropriate and transmitting the corresponding identifier without requiring user intervention, thereby maintaining accurate application selection while eliminating manual selection complexity.

Inventive Principle:
Principle #25Self-service

Data Source

PatentEP4465674B1Terminal type identification in interaction processing
Publication Date: 2026.02.25 VISA INTERNATIONAL SERVICE ASSOCIATION
  • EP4465674B1 patent drawingFigure 1
  • EP4465674B1 patent drawingFigure 2
  • EP4465674B1 patent drawingFigure 3

AI summary

A method is disclosed. The method includes receiving, by a user device from an access device, an available applications request message. The available applications request message includes an access device type identifier. The method also includes determining whether an association exists between the access device type identifier and one or more application identifiers of a plurality of application identifiers stored on the user device. The plurality of application identifiers respectively correspond to different applications on the user device. The method also includes transmitting, by the user device, to the access device, based in part on whether the association exists, an available applications response. The available applications response includes the one or more application identifiers of the plurality of application identifiers associated with the access device type identifier.