Mobile Wallet Re-provisioning via Aggregated Issuer Requests

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Solution Overview

Problem

Users face inconvenience and risk when switching mobile devices, as they must manually re-provision multiple payment instruments from various issuers, which can be time-consuming and exposes their payment instruments to unauthorized use if the device is compromised.

Innovation Solution

A method and system for managing a mobile wallet that allows users to request and perform re-provisioning of all payment instruments with a single interaction, including canceling, reissuing, and re-associating them with a new device, through a downloadable application that registers devices and communicates with issuers to facilitate seamless transitions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Loss of time

If users manually re-provision each payment instrument from various issuers when switching mobile devices, then each payment instrument can be re-provisioned individually, but the process becomes time-consuming and requires multiple requests to different issuers

Engineering Contradiction:

Improvetime required for re-provisioningVSAvoidease of re-provisioning operation

Core Design Contradiction:

Loss of timeVSEase of operation

Solution Approach 1:

The patent combines multiple separate re-provisioning requests into a single aggregated request. The mobile wallet application collects re-provisioning requests for multiple payment instruments from different issuers and transmits them together in one communication batch, reducing the number of interactions from multiple separate requests to a single consolidated request, thereby saving time and simplifying the user operation.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The system performs preliminary actions by pre-collecting and buffering re-provisioning requests before transmission. When a user initiates re-provisioning, the application gathers all necessary payment instrument information and prepares the complete request set in advance, then transmits them together when ready, rather than sending each request individually as they arise.

Inventive Principle:

Principle #10Preliminary action

2Reliability

If the mobile device is compromised, then the user's payment instruments are at risk of unauthorized use, but manual re-provisioning processes expose the user to additional risk during the transition period

Engineering Contradiction:

Improvesecurity of payment instrumentsVSAvoidtime exposed to risk during transition

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The system enables users to initiate re-provisioning requests in advance before the device is fully compromised or before the transition is complete. By allowing pre-provisioning to a secure new device, the user can minimize the time window during which payment instruments are vulnerable, as the new device is ready to receive instruments immediately when needed.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The aggregated re-provisioning mechanism allows the user to rapidly complete the entire re-provisioning process in a single operation rather than sequentially contacting each issuer. This rushes through the vulnerable transition period quickly, reducing the time exposure to unauthorized use risk.

Inventive Principle:

Principle #21Skipping (Rushing through)

3Adaptability or versatility

If users contact multiple issuers individually for re-provisioning, then each issuer can be notified separately, but the complexity of managing multiple requests increases

Engineering Contradiction:

Improveability to handle multiple issuersVSAvoidcomplexity of re-provisioning process

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The mobile wallet application merges multiple individual re-provisioning requests into a single aggregated request. Instead of requiring the user to separately manage communications with each issuer, the application collects all payment instrument details and sends them together in one batch transmission, significantly reducing the operational complexity while maintaining the ability to handle multiple different issuers.

Inventive Principle:

Principle #5Merging (Combining)

Solution Approach 2:

The mobile wallet application acts as an intermediary between the user and multiple issuers. It consolidates the re-provisioning requests and manages the communication with various issuers on behalf of the user, shielding the user from the complexity of dealing with multiple separate parties while still achieving comprehensive re-provisioning across all issuers.

Inventive Principle:

Principle #24Intermediary (Mediator)

Data Source

PatentUS10769624B1Methods and systems for re-provisioning a mobile wallet

Publication Date: 2020.09.08 UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)

AI summary

Methods and systems are provided for managing a mobile wallet. In some embodiments, a user may request re-provisioning of the payment instruments in a single user interaction. In accordance with embodiments of the invention, a method of managing a mobile wallet includes providing a downloadable application for enabling a mobile wallet on a user computing device, transmitting the application to the user computing device, receiving a request to enroll a plurality of payment instruments in the mobile wallet enrolling, the plurality of payment instruments in the mobile wallet, receiving a re-provisioning request, and re-provisioning at least a first group of the plurality payment instruments.