Mobile Network Operator Data for Payment Credential Provisioning

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Solution Overview

Problem

The existing processes for provisioning payment credentials to mobile devices lack efficiency and reliability in user identification and verification, often requiring time-consuming and resource-intensive ID&V processes.

Innovation Solution

Utilizing information from Mobile Network Operators (MNOs) to supplement and guide decision-making during provisioning requests, potentially obviating the need for ID&V processing by using MNO data such as mobile phone numbers and account scores to verify user identity and validate requests.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If traditional ID&V processes are used for provisioning payment credentials to mobile devices, then user identity verification reliability is improved, but processing time and system resource consumption increase

Engineering Contradiction:

Improveuser identity verification reliabilityVSAvoidprovisioning processing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The MNO performs user verification and generates verification scores in advance during mobile network authentication processes. These pre-verified data and scores are stored and made available for later provisioning decisions, eliminating the need for repeated ID&V procedures during credential provisioning.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent introduces MNO verification scores as an intermediary element between the provisioning system and user identity verification. Instead of directly performing full ID&V processes, the system uses these scores from MNOs to guide decision-making, reducing the need for extensive verification procedures while maintaining reliability.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If traditional ID&V processes are used for provisioning payment credentials to mobile devices, then user identity verification reliability is improved, but system resource consumption increases

Engineering Contradiction:

Improveprovisioning decision reliabilityVSAvoidsystem resource consumption

Core Design Contradiction:

ReliabilityVSUse of energy by moving object

Solution Approach 1:

Instead of performing complete ID&V processes for every provisioning request, the system uses partial verification by leveraging MNO verification scores. This partial action approach uses only the necessary verification data from MNOs to make provisioning decisions, significantly reducing system resource consumption while maintaining adequate reliability.

Inventive Principle:

Principle #16Partial or excessive action

Solution Approach 2:

The system implements feedback mechanisms where MNO verification scores and provisioning outcomes are continuously analyzed. This feedback loop allows the system to refine provisioning decisions based on historical data and verification patterns, improving reliability over time while minimizing resource-intensive verification processes.

Inventive Principle:

Principle #23Feedback

3Productivity

If MNO data and scores are used for provisioning decisions, then provisioning process efficiency is improved, but decision-making complexity increases

Engineering Contradiction:

Improveprovisioning process efficiencyVSAvoiddecision-making system complexity

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The patent transforms complex verification processes into simplified parameter-based decision-making by using MNO verification scores. These scores convert multiple verification dimensions into single quantitative parameters that can be directly compared against provisioning thresholds, greatly simplifying the decision-making logic while improving processing efficiency.

Inventive Principle:

Principle #35Parameter changes

4Productivity

If MNO data and scores are used for provisioning decisions, then provisioning process efficiency is improved, but information completeness requirements increase

Engineering Contradiction:

Improveprovisioning processing speedVSAvoidMNO data information requirements

Core Design Contradiction:

ProductivityVSLoss of information

Solution Approach 1:

The system extracts only the essential verification scores and key data elements from MNOs that are necessary for provisioning decisions. Instead of requiring complete user information profiles, the system selectively takes out and uses only the verification scores and minimal necessary data, improving processing speed while reducing information requirements.

Inventive Principle:

Principle #2Taking out (Extraction)

Data Source

PatentUS11049093B2Use of mobile network operator data and/or scores in decision-making on requests for payment credential provisioning for mobile devices

Publication Date: 2021.06.29 MASTERCARD INT INC

AI summary

A method of provisioning payment credentials to a mobile device includes receiving a payment credentials provisioning request. The method further includes facilitating decision-making with respect to the request based at least in part on data obtained and/or confirmed directly or indirectly from a mobile network operator (MNO) associated with the mobile device.