Cross-Platform Credential Presentation for Secure Payment Handoff
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Solution Overview
Problem
The lack of interoperability between different electronic platforms prevents the seamless utilization of digital credentials, as they are often proprietary and incompatible due to divergent security protocols, data formats, and communication standards, limiting their use across platforms.
Innovation Solution
A mechanism is provided to allow digital payments to be initiated on a second entity platform and completed using a digital credential from a first entity platform, even if the platforms are not natively compatible, by establishing a connection through a payment provider server and utilizing a temporary code or token for secure communication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If digital credentials are stored on a digital wallet of a specific electronic device, then the credential can be used for identification and transactions on that device, but the credential cannot be used on other electronic devices due to platform incompatibility
Solution Approach 1:
The patent introduces a cloud service provider server as an intermediary between the first electronic device (where the credential is stored) and the second electronic device (where the transaction is initiated). The server receives the machine-readable code from the second device, retrieves the credential from the first device, and facilitates the transaction. This intermediary approach enables cross-platform compatibility while maintaining security by centralizing credential management and authentication.
2Adaptability or versatility
If a mechanism is introduced to enable cross-platform credential usage, then interoperability between different electronic platforms is achieved, but the system complexity increases due to additional communication protocols and coordination mechanisms
Solution Approach 1:
The patent extracts the credential management and authentication logic from the electronic devices themselves and relocates it to a cloud service provider server. The devices only need to handle simple operations: the first device stores credentials and responds to authentication requests, while the second device initiates transactions and displays machine-readable codes. This extraction reduces device complexity while enabling cross-platform interoperability through the centralized cloud service.
3Ease of operation
If digital payments are initiated on one platform and completed on another, then user convenience is improved, but the transaction security and reliability may be compromised due to platform incompatibility
Solution Approach 1:
The patent implements a feedback mechanism where the cloud service provider server continuously monitors and coordinates the transaction process between the two devices. The server receives the machine-readable code from the second device, retrieves the credential from the first device, verifies authentication, and completes the transaction. This feedback loop ensures transaction security by maintaining centralized control and verification, even as the transaction convenience of using different devices is improved.
Data Source
AI summary
The subject system may be implemented by a processor circuit configured to receive a selection of a payment provider at a user interface of a merchant website on a web browser on a first user device, the selection corresponding to a request to perform a transaction with a first server associated with the merchant website using the payment provider, provide a request to perform the transaction, receive, by the first user device and from the second server, a token for performing the transaction, responsive to detection, by the first user device, of a second user device, provide, from the first user device and to the second user device, the token for performing the transaction between at least the second user device and the second server, and receive, by the first user device and from the second server, a confirmation that the transaction was performed.