Offline Electronic Token Generation for Mobile Transactions
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Solution Overview
Problem
Existing electronic transaction systems face challenges in areas with poor data network signal strength, leading to disrupted transactions and potential fraud due to the inability to access necessary network connectivity.
Innovation Solution
The system generates and stores electronic tokens on a user's mobile device based on predicted low network availability, using location data and transaction history to enable offline transactions, and deletes unused tokens to prevent fraud.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If the system requires continuous network connectivity for transactions, then transaction security and real-time verification are improved, but transaction availability and user convenience deteriorate in areas with poor network coverage
Solution Approach 1:
The system performs preliminary actions by generating and storing electronic tokens on the user's mobile device before the user enters areas with poor network coverage. These tokens are created in advance when network connectivity is available, allowing transactions to proceed offline without requiring real-time network verification, thus resolving the contradiction between security and availability
Solution Approach 2:
The patent introduces electronic tokens as intermediary elements that mediate between the user's mobile device and the transaction system. These tokens serve as offline proxies for authenticated user identity and authorization, enabling secure transactions without direct network connectivity while maintaining the security model through cryptographic verification
2Ease of operation
If the system stores electronic tokens on the user's mobile device for offline transactions, then transaction availability is improved, but security risks and potential fraud increase
Solution Approach 1:
The system changes the parameter of token validity by implementing time-limited and location-specific expiration criteria. Tokens automatically expire after a predetermined time period or when the user exits the designated geographic area, reducing the window of opportunity for fraud while maintaining offline transaction capability during valid periods
Solution Approach 2:
The system implements feedback mechanisms where the mobile device continuously monitors network availability, user location, and token usage status. When network connectivity is restored or tokens are used, the system receives feedback and updates token status accordingly, enabling remote deactivation of unused tokens to prevent fraud
3Duration of action of moving object
If the system generates multiple electronic tokens for extended offline use, then user convenience is improved, but the potential impact of theft or loss increases
Solution Approach 1:
The system segments the overall offline transaction capability into multiple individual electronic tokens with specific validity periods and usage limits. Instead of providing one long-term offline access token, the system issues multiple shorter-lived tokens that can be individually managed, tracked, and revoked, reducing the impact of any single token being compromised
Data Source
AI summary
A system, including: a non-transitory memory; and one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations including: determining a first physical location of a user; comparing the first physical location to data indicative of network availability; and in response to comparing the first physical location to data indicative of network availability, generating a first electronic token and a second electronic token for a mobile computing device associated with the user.