Mobile Wallet Secure Messaging via Dedicated Domain
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Solution Overview
Problem
Current mobile wallet applications lack secure communication capabilities, requiring users to perform communications out-of-channel through email or SMS, which are not secure.
Innovation Solution
Implementing a system for secure end-to-end digital communications using mobile wallets with a new Internet top-level domain, where messages are encrypted and decrypted using public and private keys, facilitated by a mobile wallet message transfer agent and message storage agent within the mobile wallet domain.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If mobile wallet applications use out-of-channel communication methods like email or SMS, then communication convenience is improved, but communication security deteriorates
Solution Approach 1:
The patent introduces a message transfer agent (MTA) and message storage agent (MSA) as intermediaries between mobile wallets. These agents facilitate secure in-band communication by handling message routing, storage, and delivery within the mobile wallet domain, eliminating the need for insecure out-of-channel methods while maintaining convenience
Solution Approach 2:
The patent changes the communication parameter from out-of-channel (email/SMS) to in-band (direct mobile wallet domain) communication. This parameter change enables secure communication by keeping messages within the controlled mobile wallet environment while still providing direct communication capabilities
2Reliability
If mobile wallets implement end-to-end encryption with public and private keys, then communication security is improved, but system complexity increases
Solution Approach 1:
The patent extracts the complex cryptographic operations from the mobile wallet application itself and places them in dedicated message transfer agents and storage agents. This separation allows the encryption/decryption functionality to be implemented without significantly increasing the complexity of the mobile wallet application, as the heavy lifting is done by specialized external components
Solution Approach 2:
The message transfer agent and storage agent serve multiple functions: they handle key management, message encryption, message decryption, and secure storage. By consolidating these functions in universal agents rather than implementing each separately in every mobile wallet, the overall system complexity is reduced while maintaining strong security
Data Source
AI summary
Disclosed in some examples are methods, systems, and machine readable mediums for secure end-to-end digital communications involving mobile wallets. The result is direct, secure, in-band messaging using mobile wallets that may be used to send messages such as payments, requests for money, financial information, or messages to authorize a debit or credit.