Mobile Token Transfer via Device Mapping Lookup
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Solution Overview
Problem
Users face disruptions and time-consuming processes when replacing mobile devices, as they need to re-provision tokens for mobile payment systems on new devices, leading to non-functionality and inconvenience in secure payment transactions.
Innovation Solution
A system and method for automatically transferring a token from a current mobile device to a new device using a token transfer message, involving a processor that looks up the original token in a device-to-token mapping table and generates an updated token for the new device, enabling seamless secure payment transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a consumer manually re-provisions tokens on a new mobile device, then security is maintained, but the process becomes time-consuming and disruptive
Solution Approach 1:
The system performs preliminary actions by automatically detecting device replacement and initiating token re-provisioning before the user needs to make payments. The token service provider proactively manages the entire re-provisioning process in the background, eliminating the need for users to manually re-enter credentials and restoring payment functionality immediately upon device replacement.
2Reliability
If a consumer manually re-provisions tokens on a new mobile device, then payment credentials are re-secured, but the process becomes frustrating and causes functionality lapses
Solution Approach 1:
The system implements self-service by enabling automatic detection of device replacement and autonomous re-provisioning of tokens without requiring user intervention. The token service provider automatically manages credential re-securing processes, including detecting the new device, re-generating tokens, and updating payment networks, thereby maintaining both security and user convenience simultaneously.
3Ease of operation
If automatic token transfer is implemented, then seamless payment experience is achieved, but system complexity increases
Solution Approach 1:
The patent introduces a token service provider as an intermediary that manages the complex automatic token transfer process. This intermediary component handles device replacement detection, token re-provisioning, and coordination with payment networks, thereby enabling seamless payment experiences while containing system complexity within a dedicated service layer rather than distributing it across multiple components.
Data Source
AI summary
Described are systems and methods for transferring a token between mobile computing devices. A token transfer processing computing device includes a memory device for storing data and a processor in communication with the memory device. The processor is programmed to receive a token transfer message. The token transfer message includes a current device identifier associated with a current mobile device having an original token associated therewith for initiating secure payments using the current mobile device, and a new device identifier associated with a new mobile device replacing the current mobile device. The processor is further programmed to perform a lookup in a device-to-token mapping table to identify the original token associated with the current mobile device. The processor further generates an updated token associated with the payment account and transmits a token transfer response to the new mobile device. The token transfer response includes the updated token.