Over-the-Air Soft Card Provisioning System
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Solution Overview
Problem
Conventional methods for provisioning soft cards on devices with wireless communications capabilities are impractical, requiring users to visit a secure facility or wait several days for batch processing, and lack scalability for multiple card issuers.
Innovation Solution
An over-the-air provisioning system that uses a soft card provisioning application to obtain an issuer identification number, connect to a provisioning issuer server, and receive personalization data via secure protocols like HTTP(s) and TCP/IP, allowing direct and automatic provisioning without voice calls, and utilizing a provisioning configuration server for multiple card issuers.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of time
If conventional batch provisioning is used, then security is maintained through controlled facility provisioning, but user wait time increases to 3-20 days
Solution Approach 1:
The patent introduces a provisioning server as an intermediary between the secure facility and the user's mobile device. The server receives provisioning data from the secure facility, processes it, and delivers it over-the-air to the device, eliminating the need for users to physically visit the facility or wait for batch processing.
Solution Approach 2:
The patent replaces the mechanical/physical system of facility visits and batch processing with an electronic/remote system. Provisioning data is transmitted electronically over communication networks to the mobile device, substituting physical presence requirements with digital delivery mechanisms.
2Adaptability or versatility
If card-issuer-specific provisioning systems are used, then each issuer maintains control over their provisioning process, but system scalability is limited due to proprietary protocols
Solution Approach 1:
The patent creates a universal provisioning server that can handle provisioning requests from multiple different card issuers through a single interface. The server is designed to work with various issuers' proprietary systems while presenting a unified protocol to the user's device, enabling multi-issuer support without requiring separate provisioning systems for each issuer.
Solution Approach 2:
The provisioning server acts as an intermediary layer between diverse card issuer systems and the mobile device. It translates between different issuers' proprietary protocols and a standardized interface, allowing the system to support multiple issuers without increasing device complexity.
3Ease of operation
If physical card provisioning facilities are used, then secure card issuance is ensured, but user accessibility is reduced due to location requirements
Solution Approach 1:
The patent creates a digital copy or representation of the provisioning process that can be delivered remotely. Instead of requiring users to physically access the secure facility, the provisioning data is copied and transmitted electronically to the user's device, maintaining security while improving accessibility.
Solution Approach 2:
The patent substitutes the mechanical requirement of physical facility access with an electronic transmission system. Secure provisioning is maintained through encrypted digital communication channels, replacing the need for physical presence while ensuring security through cryptographic methods.
Data Source
AI summary
Methods, systems, and computer readable media for over the air provisioning of soft cards on devices with wireless communications capabilities are disclosed. According to one method, a soft card provisioning application is instantiated on a device with wireless communications capabilities. A card number for a soft card desired to be provisioned on the device is obtained from a user of the device. An issuer identification number retrieved from the card number is communicated to a provisioning configuration server over an air interface. A provisioning issuer server network address is obtained from the provisioning configuration server based on the issuer identification number. The provisioning information server is connected to, and card-issuer-specific challenge information is obtained therefrom. The challenges are presented to the user, and the user's responses to the challenges are received. A connection is made to the provisioning issuer server corresponding to the network address. The challenge responses are communicated to the provisioning issuer server. Soft card image data and personalization data, where the personalization data includes personalized embossed and pre-printed data, are received from the provisioning issuer server over the air interface. The soft card is provisioned for use on the device based on the data received over the air interface.