Limited-Use Token Mapping for Cross-Network Authorization
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Existing interaction processing systems face issues of incompatibility and inconvenience due to the need for users to download and register with different applications for transactions, especially when traveling, and data security concerns with sensitive information transmission.
Innovation Solution
A computer-implemented method using a token service computer to map limited use tokens to user identifiers, enabling interactions without onboarding, and transforming authorization requests through a processing network computer.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users download and register with specific digital wallet applications for transactions, then transaction compatibility within the same application is ensured, but user convenience and system interoperability deteriorate due to the need for multiple applications and onboarding processes
Solution Approach 1:
The patent introduces a token service computer as an intermediary between different interaction processing systems. This mediator translates between different application protocols by converting user identifiers to tokens and back, enabling cross-application transactions without requiring users to download and register for multiple applications. The token service acts as a universal translator that maintains transaction reliability while improving user convenience.
2Reliability
If users transfer funds between different account types (e.g., from issuer bank account to digital wallet account), then sufficient funds are available for transactions, but processing time and computational resources are consumed
Solution Approach 1:
The patent implements preliminary action by pre-transferring funds from the issuer bank account to the digital wallet account before the actual transaction is needed. This advance funding ensures that sufficient funds are always available in the digital wallet for immediate transactions, eliminating the need for time-consuming fund transfers at the moment of purchase and thus reducing processing time.
Solution Approach 2:
The system maintains continuous useful action by keeping funds continuously available in the digital wallet account through automatic top-ups from the issuer bank account. This continuous availability ensures that the digital wallet is always ready for transactions without interruption, eliminating gaps where fund transfers would be needed and thus reducing overall processing time.
3Ease of operation
If user credentials, tokens, and identifiers are stored and transmitted for authentication, then authorization is enabled, but data security deteriorates due to the risk of hacking and unauthorized transactions
Solution Approach 1:
The patent employs disposable short-lived tokens instead of permanently storing sensitive user credentials. These tokens are generated temporarily for specific transactions and then discarded, preventing long-term exposure of sensitive information. The tokens contain limited information and expire after use, making them useless to hackers even if intercepted, thus maintaining authorization capability while significantly reducing data security risks.
Data Source
AI summary
One embodiment is related to a method. The method includes receiving from a storage application server computer, a token request message comprising a user identifier associated with a storage application on a user device, and determining a token. The token is a limited use token. The method includes mapping the token to the user identifier, transmitting, a token response message comprising the token to the storage application server computer. The method includes receiving from a processing network computer, a de-tokenization request message comprising the token, after the processing network computer receives an authorization request message comprising the token from a resource provider computer via a transport computer. The method also includes determining the user identifier using the token, and transmitting the user identifier to the processing network computer.