Credential Provisioning for Seamless Electronic Transactions
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Solution Overview
Problem
Existing electronic transaction systems complicate user interaction due to complex security requirements for data transmission and storage of payment information across various platforms, leading to frustration in conducting electronic transactions.
Innovation Solution
An electronic device determines compatibility between a credential provisioning application and a vendor transaction platform, prompting the user for credential input during a transaction, allowing seamless provisioning and storage of credentials without disrupting the transaction flow, even when the issuer is not accepted by the platform.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If security requirements for data transmission and storage are implemented across various transaction platforms, then security of electronic transactions is improved, but user interaction complexity increases and user experience deteriorates
Solution Approach 1:
The system automatically detects platform compatibility and provisions credentials without requiring user configuration or understanding of security protocols. The electronic device self-manages the credential provisioning process, selecting appropriate credentials and handling platform-specific requirements transparently to the user.
Solution Approach 2:
A credential provisioning application acts as an intermediary between the user and multiple transaction platforms. This intermediary automatically manages credential selection, provisioning, and platform compatibility, shielding users from complex security requirements while maintaining high security standards across different platforms.
2Ease of operation
If credential provisioning is integrated into transaction flow, then ease of operation is improved, but transaction processing time may increase
Solution Approach 1:
Credentials are provisioned in advance during the transaction flow before the actual payment is processed. The system detects platform compatibility and prepares appropriate credentials beforehand, so that when the transaction reaches the payment stage, credentials are already ready for immediate use, minimizing any time impact.
Solution Approach 2:
The credential provisioning process is seamlessly integrated into the existing transaction flow without interrupting or pausing the transaction. The provisioning occurs in the background while the transaction continues, maintaining continuous useful action and preventing time-outs or disruptions to the transaction process.
3Reliability
If credential compatibility checking is performed before provisioning, then reliability is improved, but device complexity increases
Solution Approach 1:
The credential provisioning application automatically performs compatibility checking between credentials and vendor transaction platforms without requiring user intervention. The system self-determines which credentials are compatible with which platforms and provisions accordingly, managing the complexity internally while presenting a simple interface to users.
Data Source
AI summary
This application relates to electronic devices, and other systems, methods, and processes for conducting electronic transactions. The electronic transactions may involve a vendor transaction platform and a credential provisioning application. The credential provisioning application, when determined to be compatible with the vendor transaction platform, may prompt for input of a credential to be provisioned during the electronic transaction. The vendor transaction platform is kept active or otherwise prevented from performing a time-out operation while the provisioning is conducted. The provisioned credential may be submitted as payment to complete the electronic transaction and may be stored on the electronic device for use in a subsequent electronic transaction.