Combined Digital and Physical Payment Provisioning via Remote SIM
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Solution Overview
Problem
Existing digital payment solutions are not efficiently integrated with physical payment cards, leading to lengthy delivery times and lack of user-friendly provisioning methods.
Innovation Solution
A system that integrates a payment card credential transfer interface between a payment card production system and a remote SIM provisioning system, allowing payment card credentials to be downloaded to an eUICC, enabling a combined digital and physical payment solution, utilizing existing remote SIM provisioning infrastructure for fast and user-friendly deployment.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Loss of time
If physical payment cards are produced through traditional card manufacturing infrastructure with postal delivery, then secure physical payment credentials are provided to card holders, but considerable time passes from card ordering to actual receipt
Solution Approach 1:
The patent applies preliminary action by pre-personalizing payment cards at the card issuer before the card holder receives them. The personalization data including payment applications, PAN, and authentication keys are loaded onto the card in advance through secure infrastructure, so that when the card arrives via postal service, it is immediately ready for use without requiring additional setup time
Solution Approach 2:
The patent introduces an intermediary secure infrastructure between the card issuer and the physical payment card. This intermediary system handles the secure personalization and loading of payment credentials onto the card before delivery, acting as a trusted mediator that enables advance preparation without compromising security. The infrastructure includes secure elements and authentication mechanisms that facilitate pre-provisioning
2Productivity
If digital payment solutions are provided separately from physical payment cards, then fast digital payment credentials can be delivered, but integration with physical card infrastructure is lacking
Solution Approach 1:
The patent merges digital and physical payment solutions by loading the same personalization data and payment applications onto both physical payment cards and digital devices. The card issuer personalizes both formats with identical payment credentials, allowing seamless interoperability and enabling users to access their payment accounts through either physical or digital channels with consistent functionality
Solution Approach 2:
The patent implements universality by designing a unified personalization system that can provision payment credentials to multiple formats (physical cards and digital devices) through the same infrastructure. The payment applications are made format-agnostic, allowing the same credential set to function across different device types and payment channels, enhancing versatility without requiring separate provisioning systems
Data Source
Figure 1~3
AI summary
A payment solution provisioning system comprising a payment card credential transfer interface means between a payment card production system and a remote SIM provisioning system, and by a payment card credential storage at the remote SIM provisioning system, storing payment card credentials received at the remote SIM provisioning system from the payment card production system, storing such that the payment card credentials can be downloaded to an eUlCC the way normally subscription profiles are downloaded to a eUlCC. The payment card credentials stored in the eUlCC are a digital payment solution. The same payment card credentials personalized into a physical payment card at the payment card production system are a physical payment solution. Both together build a combined digital and physical payment solution. A mobile device comprises a payment application comprising a payment card credential interface which is constructed to send to a SIM provisioning system, via an RSP infrastructure, a payment card credential download request, and to manage receipt of requested payment card credentials from the SIM provisioning system, via the RSP infrastructure, and to store the received payment card credentials to the eUlCC.