Mobile Digital Wallet Verification for Decentralized Service Authorization

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Solution Overview

Problem

Individual users lack the computing resources to verify and act as relying parties for verifiable claims, especially when away from their typical computing system, limiting their ability to authenticate and authorize services.

Innovation Solution

Implementing a digital wallet on a mobile device to enable users to act as relying parties by requesting, receiving, and verifying verifiable claims using decentralized identifiers (DIDs) and distributed ledger technology, allowing them to authenticate and authorize services independently.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If users rely on centralized identity management systems to verify verifiable claims, then verification security is maintained through professionally maintained hardware and software, but users lose independence and portability, requiring access to centralized systems to authenticate services

Engineering Contradiction:
ImproveUser independence in verificationVSAvoidVerification security
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent introduces a digital wallet as an intermediary device that holds and manages verifiable claims locally. The wallet acts as a mediator between the user and centralized identity management systems, enabling users to verify claims independently while maintaining security through cryptographic proofs and distributed ledger technology. The wallet contains verification logic and can authenticate services without requiring access to centralized systems.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent segments the centralized identity management function into distributed components: the verifiable claims are issued by trusted entities but stored and managed locally in the digital wallet. This segmentation allows verification capabilities to be distributed to individual users while maintaining the trust model of centralized issuance. The verification process is divided into claim presentation by the user and validation by the service provider using the wallet's cryptographic proofs.

Inventive Principle:
Principle #1Segmentation

2Adaptability or versatility

If users access centralized identity management systems to verify claims, then proper authentication and authorization are ensured, but users cannot perform verification when away from their typical computing system or without additional computing resources

Engineering Contradiction:
ImproveVerification availabilityVSAvoidService authorization capability
Core Design Contradiction:
Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent implements preliminary action by having users pre-load verifiable claims into their digital wallets before needing to access services. The wallet is configured with verification capabilities and stored claims in advance, enabling users to perform authentication and authorization independently when away from centralized systems. The verification logic and cryptographic materials are prepared beforehand in the portable device.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The digital wallet is designed as a universal platform that combines multiple functions: storing verifiable claims, verifying claim authenticity, presenting claims to services, and managing authentication/authorization. This multi-functional design enables the single portable device to replace access to centralized identity management systems across various service contexts, providing verification availability anywhere the wallet is accessible.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Data Source

PatentUS12505424B2Digital wallet as a relying party in a decentralized network
Publication Date: 2025.12.23 MICROSOFT TECHNOLOGY LICENSING LLC
  • US12505424B2 patent drawing
  • US12505424B2 patent drawing
  • US12505424B2 patent drawing

AI summary

A request is generated for verifiable claims that are related to services that a user is to provide to an entity that requests the services from the user. The request for the services is then provided to the requesting entity. The requested verifiable claims are then received from the requesting entity and are verified to determine that they are valid. If the received verifiable claims are valid, the user is authorized to provide the services to the requesting entity.