Mobile Payment Token Roaming Across Home and National Networks
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Solution Overview
Problem
Users face difficulties in performing financial transactions using mobile payment cards when roaming outside their national payment network, as current solutions often require using international payment networks like VISA or MASTERCARD, which may not be preferred and lack interoperability with national systems.
Innovation Solution
Establish interoperability between a home and a roaming payment network by using a system comprising servers of token service providers to manage tokens, allowing transactions through a combination of networks, thereby avoiding the need for a single global network.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a mobile payment card is configured to operate in a national payment network, then it can perform transactions efficiently within that network, but it cannot perform transactions when roaming outside that network
Solution Approach 1:
The mobile payment card is configured with multiple tokens, each associated with different payment networks (home network and roaming network). The system automatically selects the appropriate token based on the current network environment, enabling the card to function reliably across different payment networks without user intervention.
Solution Approach 2:
The payment card system dynamically adapts its configuration by detecting the current payment network environment and switching between different tokens accordingly. This dynamic behavior allows the card to maintain transaction capability whether operating in the home network or roaming in a foreign network.
2Adaptability or versatility
If a global payment network like VISA or MASTERCARD is used for roaming payments, then wide geographical coverage is achieved, but interoperability with national payment systems is lost and user preference for domestic networks is not satisfied
Solution Approach 1:
The system acts as an intermediary between national payment networks and roaming payment networks by implementing token-based interoperability. The mobile payment card contains multiple tokens that enable direct communication with both home and roaming networks, eliminating the need for global network intermediaries while maintaining full interoperability.
3Adaptability or versatility
If multiple tokens are configured in the mobile payment card for different networks, then roaming capability is enabled, but device complexity increases
Solution Approach 1:
The mobile payment card system automatically manages multiple tokens through self-service mechanisms. The system detects the current payment network environment and autonomously selects and switches between appropriate tokens without requiring user configuration or intervention, thereby enabling roaming capability while minimizing the perceived complexity for the user.
Data Source
AI summary
The invention relates to a method implemented by a system (S1) comprising a first server (H-TSP) of a home token service provider and a second server (R-TSP) of a roaming token service provider, the method comprising: receiving (S86), by the second server, a roaming token (R-PAN) allocated to a mobile payment card (C1) for operating in a roaming banking network (R-NT); obtaining (S88), by the second server, based on the roaming token (R-PAN), a home token (H-PAN) allocated to the mobile payment card for operating in a home banking network (H-NT); receiving (S94), by the first server, the home token (H-PAN); and obtaining (S96), by the first server, based on the home token (H-PAN), a primary card number (C-PAN) of the mobile payment card for operating in the home banking network.