Payment Credential Provisioning via Intermediary Tokenization

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Solution Overview

Problem

Consumers face tedious and error-prone manual entry of payment card details when requesting payment tokens for digital wallets or merchant accounts, leading to a poor user experience.

Innovation Solution

A system and method that allows consumers to automatically provision their payment card credentials to merchant accounts using a mobile device, where the consumer selects an option in a merchant application to add a payment card from their banking app, logs in, and the banking app transmits the credentials to the merchant, which then communicates with a Token Service Provider to tokenize the account, eliminating the need for manual input.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If consumers manually enter payment card details into digital wallet or merchant interfaces, then payment tokens can be requested, but the process becomes tedious and error-prone

Engineering Contradiction:

Improveaccuracy of payment data entryVSAvoidconvenience of adding payment card

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system performs preliminary actions by automatically retrieving payment card information from the consumer's mobile device or banking application before the token request is initiated. This eliminates the need for manual entry at the point of transaction, thereby improving both accuracy and convenience.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent introduces an intermediary system (the token service provider and merchant server) that acts as a mediator between the consumer and the payment network. This intermediary automatically extracts and transmits payment card information, reducing manual intervention and minimizing errors while maintaining security through tokenization.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Reliability

If consumers manually input payment card information, then payment tokens can be obtained, but the user experience deteriorates

Engineering Contradiction:

Improvesuccess rate of token provisioningVSAvoiduser experience quality

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The system enables self-service by allowing the consumer's mobile device or banking application to automatically provide payment card information without requiring manual input. The consumer simply selects the option to add a payment card, and the system handles the retrieval, transmission, and tokenization processes automatically, improving both success rate and user experience.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

Payment card information is retrieved and prepared in advance through the banking application or mobile device before the token request is initiated. This preliminary action ensures that accurate information is available when needed, improving the success rate while eliminating the tedious manual entry process that degrades user experience.

Inventive Principle:

Principle #10Preliminary action

3Reliability

If manual data entry is required, then payment card credentials can be provided, but errors increase due to mistyping

Engineering Contradiction:

Improveaccuracy of credential transmissionVSAvoidtime required for data entry

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent introduces an intermediary system that automatically extracts payment card information from the consumer's mobile device or banking application and transmits it to the merchant server. This intermediary process eliminates manual typing, thereby improving accuracy while reducing the time required for credential transmission.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system performs preliminary retrieval and validation of payment card information from the consumer's device or banking application before the token request is initiated. This preliminary action ensures accurate credentials are captured automatically, improving accuracy while minimizing the time the consumer needs to spend on data entry.

Inventive Principle:

Principle #10Preliminary action

Data Source

PatentUS12093944B2Methods and systems for provisioning consumer payment credentials to token requestors

Publication Date: 2024.09.17 MASTERCARD INT INC

AI summary

Methods and systems for facilitating provisioning of consumer payment credentials to token requestors such as a digital wallet account or a merchant account are described. In an embodiment, a mobile device processor of a consumer mobile device running a token requestor application receives an indication of a selection by a consumer of an option to add a payment card to a merchant account, displays a list of issuer applications installed on the consumer mobile device that support pull provisioning on a display screen, and receives a selection of an issuer application and issuer application login information. The process also includes determining, by the mobile device processor, that the login information is correct, displaying a list of payment cards associated with the selected issuer application, receiving a selection of a payment card from the list of payment cards, and transmitting, while running the token requestor application, a push card message including payment card account credentials of the selected payment card to an issuer financial institution (FI) computer.