Service-Provider-Independent Tokens and Cryptograms for Cross-Provider Access
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Solution Overview
Problem
Higher-level service providers face challenges in accessing functionality from lower-level service providers without having to switch or integrate with their existing service providers, due to privacy concerns and resource-intensive integration requirements.
Innovation Solution
Utilizing service provider-independent network tokens and cryptograms that allow higher-level service providers to access operations from lower-level systems without direct integration, enabling seamless functionality sharing.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If higher-level service providers integrate directly with lower-level service providers to access functionality, then functionality access is enabled, but integration complexity and resource requirements increase
Solution Approach 1:
The patent introduces service provider-independent tokens and cryptograms as intermediary mechanisms that enable higher-level service providers to access lower-level functionality without direct integration. The tokens act as universal credentials that can be used across multiple service providers, eliminating the need for complex point-to-point integrations while maintaining secure access to required functionalities.
Solution Approach 2:
The patent creates universal tokens and cryptograms that can be used across multiple service providers and operations systems. These tokens are not bound to any specific service provider, allowing a single token to facilitate access to functionality from different lower-level providers, thereby reducing integration complexity while maintaining versatility.
2Adaptability or versatility
If higher-level service providers switch to different service providers to access additional functionality, then functionality diversity increases, but existing system integration is disrupted
Solution Approach 1:
The token system acts as an intermediary layer that decouples higher-level service providers from specific lower-level providers. This allows providers to switch or add functionality sources without disrupting existing integrations, as the tokens provide a stable, standardized interface that remains consistent regardless of which lower-level provider is accessed.
Solution Approach 2:
The patent segments the integration interface into standardized token-based components that can be independently managed. This segmentation allows different parts of the system to be modified or switched without affecting the whole, enabling functionality diversity while maintaining integration stability through modular, interchangeable token-based connections.
3Device complexity
If service provider-independent tokens are used to access functionality, then integration complexity is reduced, but secure authentication requirements must be met
Solution Approach 1:
The cryptogram serves as a secure intermediary mechanism that enhances authentication without adding complexity to the integration process. By using cryptograms as a trusted third-party verification layer, the system maintains simple token-based integration while ensuring robust security through cryptographic proof of authenticity and operational authorization.
Solution Approach 2:
The patent implements preliminary authentication actions where cryptograms are generated and verified in advance of operations. This preliminary security check ensures that authentication is completed before critical operations occur, maintaining high security standards while keeping the integration process simple and straightforward.
Data Source
AI summary
Techniques are disclosed relating to utilizing tokens and cryptograms in operations. A first service provider system receives a request to provide a network token usable by a second service provider system to request performance of an operation at an operations system. The first service provider system sends a request to the operations system to generate and return the network token. The network token is usable with a cryptogram to collectively cause the operations system to perform the operation. The first service provider system provides the network token to a web service system. After providing the network token, the first service provider system receives a request indicative that the web service system seeks to initiate the operation. The first service provider system provides the cryptogram to the web service system to enable it to initiate the operation via the second service provider system using the network token and the cryptogram.