Mobile Wallet Token Detokenization for Access Control
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Solution Overview
Problem
Existing systems lack a convenient and secure method for using mobile wallets as user identifiers for accessing restricted areas or services.
Innovation Solution
A system and method that utilize a mobile wallet or wirelessly-enabled physical card to store a token for a financial instrument, which is communicated to a sensor associated with an access restrictor. The token is then detokenized by the issuing financial institution to retrieve an associated partner loyalty identifier or ticket identifier, allowing access to be granted or denied based on this information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If physical credentials (credit cards, tickets, licenses) are used for access control, then user identification is reliable, but convenience is reduced due to needing to physically present multiple items
Solution Approach 1:
The patent combines multiple credentials (credit cards, tickets, licenses, loyalty programs) into a single mobile wallet application. The system merges these previously separate physical items into one digital repository, allowing users to access multiple services through a single device interface, thereby improving convenience while reducing the need for multiple physical credentials.
Solution Approach 2:
The mobile wallet application serves multiple functions: it stores payment cards, event tickets, loyalty program identifiers, and access credentials. This multi-functional approach allows a single application to replace numerous specialized physical items, enabling users to access different services (payment, entry, rewards) through one universal platform.
2Productivity
If tokens are stored in mobile wallets for access control, then convenience and speed are improved, but security requirements increase due to wireless communication vulnerabilities
Solution Approach 1:
The system introduces an intermediary verification process where the mobile device communicates the token to a sensor, which then relays it to a facility backend, which finally communicates with the issuing financial institution for validation. This multi-layer intermediary structure adds security checkpoints that verify token authenticity before granting access, protecting against unauthorized wireless transmission while maintaining fast processing.
Solution Approach 2:
The patent replaces traditional mechanical credential verification (physically presenting and manually checking cards or tickets) with electronic wireless communication between the mobile device, sensor, and backend systems. This substitution enables faster access control processing while incorporating digital security measures such as encrypted token transmission and automated validation to maintain or enhance security.
3Adaptability or versatility
If multiple separate systems are used for different credentials (payment, tickets, access control), then each system can be optimized for its specific function, but system complexity and integration requirements increase
Solution Approach 1:
The mobile wallet application serves multiple functions: it stores payment cards, event tickets, loyalty program identifiers, and access credentials. This multi-functional approach allows a single application to replace numerous specialized physical items, enabling users to access different services (payment, entry, rewards) through one universal platform.
Solution Approach 2:
The system introduces an intermediary verification process where the mobile device communicates the token to a sensor, which then relays it to a facility backend, which finally communicates with the issuing financial institution for validation. This multi-layer intermediary structure adds security checkpoints that verify token authenticity before granting access, protecting against unauthorized wireless transmission while maintaining fast processing.
Applied Scientific Principles
This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.
Function Achieved in This Case
This solution provides a secure, convenient, and efficient method for user identification, enabling keyless entry, ticket validation, and other access control scenarios without the need for physical credentials.
Implementation Method 1
the token is communicated by RF communication or by optical communication
Implementation Method 2
the token is communicated by RF communication or by optical communication
Data Source
AI summary
A method may include: storing, by a user device, a token for a financial instrument, wherein an issuing financial institution stores an association between the financial instrument and a partner loyalty identifier or a ticket identifier; communicating, by the user device and as part of an access request, the token to a sensor, wherein the sensor is associated with an access restrictor for an area; communicating the token to the issuing financial institution with a request for information; detokenizing, by the issuing financial institution, the token and retrieving the associated partner loyalty identifier or ticket identifier; receiving, by a facility backend, the associated partner loyalty identifier or ticket identifier and decisioning the access request using the associated partner loyalty identifier or ticket identifier; and controlling, by the facility backend, the access restrictor to grant access in response to the access request being approved.