Secure Mobile Wallet Messaging via MTA and MSA
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Solution Overview
Problem
Current mobile wallet systems lack secure communication methods between user devices, relying on insecure channels like email or SMS for transactions, which are not secure and do not facilitate direct, in-band messaging for payments, requests, or identification verification.
Innovation Solution
Implementing a secure end-to-end digital communication system using mobile wallet domains, where messages are encrypted with public keys and decrypted with private keys, allowing direct, secure communication between mobile wallets through a mobile wallet message transfer agent (MTA) and message storage agent (MSA), enabling secure transactions and identification verification.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If mobile wallets use insecure channels like email or SMS for transactions, then communication simplicity is maintained, but security is compromised
Solution Approach 1:
The patent introduces a message transfer agent (MTA) and message storage agent (MSA) as intermediary components that facilitate secure communication between mobile wallets. These intermediaries implement cryptographic protocols and secure message routing, transforming the insecure direct communication into a secure mediated communication process while maintaining ease of use for end users
2Reliability
If direct in-band messaging is implemented for secure transactions, then transaction security is improved, but system complexity increases
Solution Approach 1:
The patent segments the secure communication system into distinct functional components: mobile wallet applications, message transfer agents, message storage agents, and cryptographic service providers. This segmentation allows each component to be optimized independently and reduces overall system complexity by distributing functionality across multiple specialized modules
3Reliability
If encryption and decryption processes are implemented for each message, then message security is enhanced, but processing time increases
Solution Approach 1:
The patent implements preliminary cryptographic key exchange and establishment of secure communication channels before actual message transmission. Public keys are exchanged and encrypted sessions are established in advance, so that when messages are transmitted, the heavy cryptographic operations have already been performed, reducing real-time processing delays
Data Source
AI summary
Various examples are directed to systems and methods for secure mobile wallet transactions. A computing device on which a mobile wallet operates may receive payment credentials from other devices using near field communication (NFC) path and/or wallet-to-wallet (W2W) communication paths. The computing device may initiate an NFC mode in response to user selection or the identification of a nearby NFC-enabled device. The computing device may send the received payment credentials to a wallet service provider associated with the mobile wallet using W2W communication. The computing device may send approvals or denials of the transaction to the other device.