Unified Digital Wallet Management Interface
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Solution Overview
Problem
Current digital wallet management systems lack comprehensive platforms for users to efficiently manage multiple digital wallets and their associated payment credentials, compromising security and convenience in financial transactions.
Innovation Solution
A digital wallet management apparatus and method that provides a user interface for initiating presentation of multiple digital wallets and their associated payment credentials, allowing users to set usage limits and manage associations between wallets and credentials, enhancing security and control through graphical representations and user input options.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users manage multiple digital wallets and payment credentials through separate systems, then security verification can be performed, but user convenience and management efficiency deteriorate
Solution Approach 1:
The patent combines multiple digital wallet management functions into a single unified interface. The system presents multiple digital wallets and their associated payment credentials together in one view, allowing users to manage all credentials across all wallets simultaneously rather than accessing separate systems for each wallet, thereby improving management efficiency while maintaining security verification capabilities
Solution Approach 2:
The unified management interface provides universal access to manage multiple types of digital wallets and various payment credentials (credit cards, debit cards, gift cards, etc.) through a single platform. This multi-functional interface allows users to perform authentication, authorization, and management operations for different wallet types and credential formats without needing separate specialized systems
2Ease of operation
If users have access to all payment credentials across multiple wallets, then convenience is improved, but security control deteriorates
Solution Approach 1:
The system implements dynamic control over credential visibility and accessibility. Users can selectively authenticate specific payment credentials for specific digital wallets on-demand through the unified interface. The system dynamically presents only relevant credentials based on user selection and wallet context, providing convenience through centralized access while maintaining security control through selective authentication mechanisms
Solution Approach 2:
The unified management interface provides feedback mechanisms that allow users to review and control which credentials are associated with which wallets. The system displays clear indications of credential-wallet associations, allowing users to make informed security decisions. Users can authenticate or revoke access based on this feedback, balancing convenience with security control
3Ease of operation
If a unified management platform is implemented, then user control is improved, but system complexity increases
Solution Approach 1:
The unified management interface segments information presentation to maintain simplicity despite handling multiple wallets and credentials. The system organizes credentials by wallet, presents them in structured groups, and allows hierarchical navigation. This segmentation approach gives users comprehensive control over multiple entities while preventing the interface from becoming overwhelming or complex
Data Source
AI summary
Embodiments are directed to digital wallet management. Embodiments initiate presentation of a digital wallet management interface, comprising initiating presentation of at least one digital wallet; and initiating presentation of at least one representation of at least one payment credential and at least one indication of which of the at least one digital wallets are associated with each of the at least one payment credentials.