Mobile Wallet Registration Using Online Banking Profiles
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Solution Overview
Problem
Existing mobile wallet registration processes are cumbersome and inefficient, particularly due to the need for users to repeatedly specify preferences and settings across different devices and communication channels.
Innovation Solution
A method for separately registering users and mobile devices for mobile wallet accounts, allowing preferences and settings to be specified through a registration terminal or online banking, and then automatically applied to the mobile device during registration, leveraging cloud-based user profiles to synchronize settings across devices.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If users register for mobile wallet through traditional processes requiring repeated specification of preferences across different devices, then registration can be completed, but the process becomes cumbersome and time-consuming
Solution Approach 1:
The system performs preliminary registration of users through online banking channels before mobile device registration. User preferences, settings, and account information are established in advance through the online banking interface, so that when users later register their mobile devices, the registration process is significantly accelerated as most information is pre-configured.
Solution Approach 2:
The system creates a universal user profile that can be accessed and utilized across multiple devices and communication channels. The user registration through online banking establishes a core profile that serves as the foundation for mobile wallet registration, eliminating the need to repeat information entry across different platforms and devices.
2Adaptability or versatility
If users specify preferences and settings for each device separately, then device-specific customization is achieved, but the process becomes repetitive and inefficient
Solution Approach 1:
The system establishes a universal user profile through online banking that can be applied across multiple devices. This profile contains user preferences, settings, and account information that serves as a template for mobile device registration, allowing the same customization to be efficiently applied to multiple devices without repetitive input.
Solution Approach 2:
The system copies the user profile and preferences from the online banking registration to the mobile device registration process. The pre-established user settings are replicated and applied to the mobile wallet account, eliminating the need for users to manually re-specify preferences for each device while maintaining consistency across platforms.
3Reliability
If the system requires separate registration processes for users and devices, then registration accuracy is maintained, but the overall process complexity increases
Solution Approach 1:
The system segments the registration process into two distinct phases: user registration through online banking and mobile device registration. This segmentation allows each phase to be optimized independently - user registration focuses on accurate profile creation while device registration focuses on linking devices to existing profiles, reducing overall system complexity while maintaining accuracy.
Solution Approach 2:
The online banking platform serves as an intermediary that bridges user identification and mobile device registration. By establishing user profiles through the trusted online banking channel first, the system creates a reliable intermediary step that simplifies the subsequent device registration process while maintaining security and accuracy standards.
Data Source
AI summary
A method for separately registering a user and a mobile device for use of a mobile wallet account includes registering, by a registration terminal of a mobile wallet provider, a user for use of the mobile wallet account, including assigning one or more user-provided settings to the mobile wallet account. The method also includes receiving, by a computing system of the mobile wallet provider, a request from a mobile device to register the mobile device for use as a mobile wallet, identifying, by the computing system, the mobile wallet account of the registered user based on the request, and registering, by the computing system, the mobile device for use of the identified mobile wallet account, including associating the one or more user-provided settings with use of the mobile device.