Mobile Wallet Account Addition With Alias-Based Issuer Validation
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Solution Overview
Problem
Digital wallet management is unwieldy and insecure, as users often need to undergo unnecessary authorization steps and their bank-issued accounts cannot be easily added to digital wallets.
Innovation Solution
A system that allows transaction account issuers to manage digital wallets through a separate application, using aliases and encrypted issuer signatures to securely add accounts without exposing sensitive information over unsecured networks.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users provide account information and undergo authorization telephone calls to securely add accounts to digital wallets, then security is improved, but ease of operation deteriorates due to unnecessary authorization steps
Solution Approach 1:
The patent introduces an alias as an intermediary that represents the actual account number. The alias is generated by the network server and stored in the digital wallet, allowing transactions to be performed without exposing the real account number. This mediator resolves the contradiction by enabling secure transactions (improving reliability) while simplifying the user experience (improving ease of operation) since users don't need to repeatedly provide sensitive account information or undergo authorization calls for each transaction.
2Ease of operation
If account information is transmitted over unsecured networks to add accounts to digital wallets, then ease of operation is improved, but security deteriorates due to exposure of sensitive information
Solution Approach 1:
The patent creates a copy of the account number in the form of an alias. The network server generates an alias that corresponds to the account number but is not the actual account number itself. This copy is transmitted over the network and stored in the digital wallet. The alias can be used for transactions without exposing the real account number, thus improving ease of operation while maintaining security (improving reliability) since the sensitive information is never transmitted over the network.
3Reliability
If servicing applications authenticate users with the issuing bank, then security is improved, but adaptability deteriorates because the applications cannot add accounts to digital wallets
Solution Approach 1:
The patent makes the servicing application multi-functional by enabling it to perform both user authentication with the issuing bank and digital wallet account addition. The application communicates with the network server to generate and retrieve aliases, and can invoke functions to add accounts to digital wallets. This universal approach resolves the contradiction by maintaining security (improving reliability) through authentication while simultaneously enabling digital wallet integration (improving adaptability).
Data Source
AI summary
A system may be configured to perform operations and/or steps comprising querying, by an issuer server, a network server for an alias associated with a transaction account. The issuer server may receive the alias from the network server. The issuer server may also send the alias to an issuer application. The operations may also comprise validating, by the issuer server, an account validation input entered into the issuer application. The issuer server may send an issuer signature criteria that indicate whether the account validation input is valid. The issuer application may add an alias associated with the account to a digital wallet.