Auto-Provisioning Workflow for Co-Branded Card Integration
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Solution Overview
Problem
There is no existing method to automatically transmit co-branded credit card information to a partner computing device without customer initiation, limiting the convenience of using co-branded cards for payments on partner websites.
Innovation Solution
An auto-provisioning workflow module is implemented, allowing a co-branded card to be automatically added as a payment mechanism on a partner computing device by establishing a communication link between the partner device and the card issuer, using a reward identification number to identify the card and transmit necessary information, such as account number, customer name, and expiration date, without customer input.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual entry of card information is required, then security and customer control are improved, but ease of operation and convenience deteriorate
Solution Approach 1:
The system performs preliminary actions by establishing communication links and transmitting card information in advance, so that when a customer makes a purchase, the card is already provisioned and ready for use without requiring manual entry during the transaction
Solution Approach 2:
The system enables self-service by allowing the card provisioning process to occur automatically without customer initiation or manual input, with the card information being transmitted and stored in the partner device's token vault autonomously
2Ease of operation
If automatic transmission of card information is implemented, then ease of operation is improved, but security and customer control may worsen
Solution Approach 1:
The system introduces an intermediary layer through the use of tokenization and secure communication protocols, where card information is transmitted through encrypted channels and stored as tokens rather than plain text, maintaining security while enabling automatic transmission
Solution Approach 2:
The system implements feedback mechanisms to notify customers about automatic card provisioning and provide options to opt-out, ensuring customer awareness and control while maintaining the convenience of automatic transmission
3Productivity
If manual card entry is required, then system complexity is reduced, but productivity and payment processing efficiency deteriorate
Solution Approach 1:
The system performs card provisioning as a preliminary action before the actual purchase transaction, so that when it's time to pay, the card is already configured and ready, eliminating the time loss associated with manual card entry during checkout
Solution Approach 2:
The automatic card provisioning system operates autonomously in the background, performing the time-consuming card setup process without requiring customer time or effort, thereby improving productivity while minimizing time loss
Data Source
AI summary
Various methods, apparatuses/systems, and media for executing an auto-provisioning workflow are disclosed. A processor establishes a communication link between a co-branded partner computing device and a co-branded card issuer computing device via a communication network; transmits a message from the co-branded partner computing device to the co-branded card issuer computing device, the message including reward identification number associated with a first relationship between a co-branded partner and a customer corresponding to a reward account created with a co-branded card issuer; identifies a co-branded card associated with the customer based on matching the received reward identification number with a prestored reward identification number associated with the customer stored on a database; and executes, in response to identifying, an auto-provisioning workflow for automatically transmitting the co-branded card information data to the co-branded partner computing device.