Parent-Child Mobile Wallet Element Management
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Solution Overview
Problem
Organizations face challenges in managing and controlling corporate mobile wallet elements within employees' personal mobile wallets, leading to clutter and potential misuse, while users want to separate business and personal transactions effectively.
Innovation Solution
Implementing a system where parent wallet elements with selection and usage rules automatically select appropriate child wallet elements based on transaction type, context, and usage restrictions, allowing for organized management and tracking of corporate credentials, reducing fraud and simplifying user interfaces.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If corporate mobile wallet elements are added to employees' personal mobile wallets, then organizational control and tracking capabilities are improved, but wallet clutter and potential misuse increase
Solution Approach 1:
The patent divides the mobile wallet into parent elements (corporate-controlled containers) and child elements (individual transactional elements). This segmentation allows organizational control to be maintained at the parent level while keeping the user interface clean, as parent elements can be configured to hide or consolidate their child elements from user view.
Solution Approach 2:
Parent wallet elements act as intermediary containers between the corporate system and individual transaction elements. These parent elements provide a layer of abstraction that enables organizational tracking and control without requiring all corporate elements to be individually visible or accessible in the user's personal wallet interface.
2Reliability
If multiple corporate wallet elements are provided to employees, then transaction tracking and control are enhanced, but ease of operation deteriorates due to cluttered interface
Solution Approach 1:
Multiple child wallet elements are merged into a single parent element container that presents a unified interface to the user. The parent element consolidates the functionality of multiple corporate credentials, cards, or accounts into one selectable item, maintaining ease of operation while enabling comprehensive tracking of all underlying child elements.
Solution Approach 2:
The parent wallet element serves multiple functions simultaneously: it acts as a container for multiple child elements, provides a unified user interface, enables organizational tracking, and supports automatic selection based on usage context. This multi-functionality resolves the contradiction by providing comprehensive control without proportionally increasing interface complexity.
3Reliability
If automatic selection rules are implemented for wallet elements, then fraud prevention is improved, but device complexity increases
Solution Approach 1:
Selection rules are pre-configured in the parent wallet element during setup, establishing criteria for automatic child element selection before transactions occur. These rules evaluate context such as merchant type, transaction amount, and location to automatically select the appropriate corporate element, providing fraud prevention through pre-established controls rather than complex real-time decision systems.
Data Source
AI summary
Disclosed in some examples are improved methods, systems, and machine-readable mediums that allow for organization and management of electronic wallets. Users may have parent wallet elements which may include one or more child wallet elements. When a user selects a parent wallet element, the parent wallet element includes one or more selection and usage rules which automatically selects an appropriate child wallet element to use in an appropriate situation. For example, when the parent wallet element is presented as payment at a merchant, the rules may be utilized to select one or more child payment elements. The rules may select the child element based upon transaction type (e.g., at a merchant the rules may select a payment element, at an identification station, choose an identification element), or other context of the user—e.g., selecting a particular payment element based upon the type of merchant, the amount of the transaction, the goods purchased, the date, the time, or the like.