Instant Digital Issuance via Gateway Encryption

Solution Overview

Problem

Existing physical card payment systems are time-consuming and costly for both users and issuers, as they require physical card generation and shipping, limiting immediate usage.

Innovation Solution

Implementing a system for instant digital issuance of payment sources, such as credit cards, directly into a user's mobile or digital wallet, using a gateway encryption service and software development kit to facilitate push provisioning and ensure encryption compliance with various token service providers and digital wallets.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If physical card generation and shipping is used, then card issuance is secure and reliable, but time consumption and costs increase significantly

Engineering Contradiction:

Improvecard issuance securityVSAvoidcard delivery time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent creates a digital copy of the payment card functionality through virtual card numbers (VCNs) and digital wallet tokens that replicate the essential payment capabilities of physical cards without requiring the physical card itself. This allows instant digital issuance while maintaining security through encrypted tokenization of primary account numbers (PANs).

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent replaces the mechanical physical card delivery system with an electronic/digital system. Instead of generating, shipping, and physically delivering plastic cards through postal or courier services, the system uses electronic key pair generation, encrypted data transmission, and digital wallet integration to issue cards instantly online.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Reliability

If physical card generation and shipping is used, then card issuance is reliable, but costs for labor, material, and shipping increase

Engineering Contradiction:

Improvecard issuance securityVSAvoidissuance costs

Core Design Contradiction:

ReliabilityVSLoss of energy

Solution Approach 1:

The patent creates a digital copy of the payment card functionality through virtual card numbers (VCNs) and digital wallet tokens that replicate the essential payment capabilities of physical cards without requiring the physical card itself. This allows instant digital issuance while maintaining security through encrypted tokenization of primary account numbers (PANs).

Inventive Principle:

Principle #26Copying

Solution Approach 2:

The patent replaces the mechanical physical card delivery system with an electronic/digital system. Instead of generating, shipping, and physically delivering plastic cards through postal or courier services, the system uses electronic key pair generation, encrypted data transmission, and digital wallet integration to issue cards instantly online.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

3Loss of time

If digital issuance is implemented, then time and costs are reduced, but encryption compliance with multiple token service providers becomes complex

Engineering Contradiction:

Improvecard delivery timeVSAvoidencryption compliance complexity

Core Design Contradiction:

Loss of timeVSDevice complexity

Solution Approach 1:

The patent introduces a gateway encryption service as an intermediary layer between the card issuer and multiple token service providers (TSPs). This gateway service abstracts the complexity of different TSP encryption requirements by providing a unified interface that automatically selects and applies the appropriate encryption method based on the target TSP, thereby simplifying the issuer's implementation while maintaining compliance with various standards.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The gateway encryption service is designed with multi-functionality to handle encryption requirements for multiple different token service providers through a single unified system. It can identify, select, and apply different encryption algorithms and key management approaches depending on which TSP is being used, making the digital issuance process universally compatible across different platforms without requiring separate implementation for each provider.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Data Source

PatentUS12223502B2Instant digital issuance

Publication Date: 2025.02.11 FIRST DATA CORP

AI summary

Described herein are techniques for facilitating push provisioning of a user payment source into a user's digital wallet without the user having a physical card. The techniques allow an issuer to provide a button in an issuer's mobile application for the user to simply push the button to request that the payment source be imported into the user's digital pay wallet. In this way, the payment source information is “pushed” into the pay wallet. Using push provisioning, the user need not enter any physical card information. The described techniques generate a chain of trust that can be used to ensure that a user, through an issuer and using an encryption gateway, authorizes a token service provider to provision the payment source into the user's digital wallet.