Multi-Channel Credential Token Linking Without Secret Exposure

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Solution Overview

Problem

Users face challenges in securely registering and interacting with multiple channels, as credentials are exposed during registration and transactions, and are vulnerable to man-in-the-middle attacks.

Innovation Solution

A method and system that uses a server to receive a user device identifier and a secret, storing tokens associated with credentials across channels, allowing interactions without exposing the credentials directly, and using validated tokens for secure access across multiple channels.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If users register credentials with each channel separately, then each channel can access the credential, but the registration process requires significant user actions and credentials are exposed

Engineering Contradiction:
Improvecredential access across channelsVSAvoidregistration process
Core Design Contradiction:
Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent introduces a processing system as an intermediary that manages credentials centrally. Instead of users directly registering with each channel, the processing system receives credentials once and distributes tokenized versions to multiple channels, eliminating repetitive registration actions while maintaining channel-specific access

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent creates tokenized copies of credentials that can be distributed to multiple channels. These tokens are derived from the original credential through cryptographic hashing, allowing channels to verify credentials without exposing the original, thus enabling seamless multi-channel access with a single registration

Inventive Principle:
Principle #26Copying

2Adaptability or versatility

If credentials are transmitted via user devices to channels, then channels can access credentials, but credentials are exposed to hackers and intermediaries

Engineering Contradiction:
Improvechannel access to credentialsVSAvoidcredential exposure
Core Design Contradiction:
Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The processing system acts as a secure intermediary that never exposes original credentials to channels. It receives credentials once from the user device, then generates and distributes cryptographic tokens to channels. This intermediary architecture ensures credentials remain protected while still enabling channel access through token verification

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent extracts the sensitive credential data from the transmission path between user devices and channels. By separating the original credential (kept secure in the processing system) from the transmitted token (distributed to channels), the system removes the vulnerability of credential exposure while maintaining authentication functionality

Inventive Principle:
Principle #2Taking out (Extraction)

3Ease of operation

If the same credential is used across multiple channels, then credential management is simplified, but the credential becomes more vulnerable to attacks

Engineering Contradiction:
Improvecredential managementVSAvoidsecurity against attacks
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent segments the single credential into multiple channel-specific tokens. Each token is a cryptographic derivative of the original credential but cannot be reverse-engineered to reveal it. This segmentation allows simplified user management (one credential to rule them all) while maintaining security isolation across channels

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent transforms the credential parameter from a single exposed value to multiple cryptographic hashes. By changing the parameter representation through cryptographic functions, the system maintains the convenience of single-credential management while achieving security through parameter transformation - each channel receives a different cryptographic representation that cannot be reverse-engineered

Inventive Principle:
Principle #35Parameter changes

Data Source

PatentUS12542670B2Processing system using secret linked to multiple accounts
Publication Date: 2026.02.03 VISA INTERNATIONAL SERVICE ASSOCIATION
  • US12542670B2 patent drawing
  • US12542670B2 patent drawing
  • US12542670B2 patent drawing

AI summary

A method is disclosed. The method includes receiving from a user device operated by a user via a first channel, a user device identifier and a secret associated with the user. The method also includes storing a first token, the user device identifier, and a first channel identifier. The first token is associated a credential. The method also includes receiving, from the user device via a second channel, the user device identifier and the secret. The secret is subsequently validated. After the secret is validated, the server obtains a second token based on the first token and stores the second token, the user device identifier, and a second channel identifier. The second token is associated with the credential.