Centralized Tap-to Switchboard for Multi-Issuer Authentication
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Solution Overview
Problem
Current contactless card systems require each issuer to maintain separate hardware, software, and security protocols, leading to high costs and lack robust authentication options, especially in mobile web environments.
Innovation Solution
A centralized switchboard system manages contactless card functions for multiple issuers, providing a unified platform for secure tap-to transactions, leveraging a distributed network with secure authentication and data integrity, and supporting both iOS and Android platforms through SDKs for App Clips and JavaScript.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If each issuer maintains separate hardware, software, and security protocols for contactless card transactions, then authentication security is maintained, but system complexity and operational costs increase significantly
Solution Approach 1:
The patent merges multiple issuer-specific authentication systems into a single centralized switchboard system. The switchboard consolidates hardware, software, and security protocols that were previously distributed across multiple issuer systems, thereby reducing overall system complexity while maintaining authentication security through centralized management and coordination of all issuers' contactless card transactions
Solution Approach 2:
The switchboard system is designed as a universal platform that handles authentication and transaction processing for multiple different issuers simultaneously. This multi-functional system replaces the need for each issuer to maintain separate specialized systems, reducing complexity while preserving security through a unified approach that serves all issuers
2Reliability
If each issuer maintains separate hardware, software, and security protocols, then issuer-specific security requirements are met, but operational costs and resource requirements increase
Solution Approach 1:
The patent combines the operational resources of multiple issuers into a single shared infrastructure. By merging hardware, software, and security protocol management into one centralized system, the total operational costs are reduced compared to maintaining separate systems for each issuer, while issuer-specific security requirements are preserved through the switchboard's coordinated authentication processes
3Productivity
If a centralized switchboard system is implemented to reduce costs and complexity, then system efficiency improves, but potential single points of failure may arise
Solution Approach 1:
The centralized switchboard system is segmented into multiple independent components and modules, each handling specific authentication functions for different issuers or transaction types. This segmentation allows the system to maintain high efficiency through centralized coordination while reducing single points of failure, as failures in one segment do not necessarily compromise the entire system
Solution Approach 2:
The switchboard acts as an intermediary layer between contactless cards and various issuers, providing centralized efficient processing while maintaining system availability through its mediating role. The intermediary architecture allows for isolated failure domains and enables the system to continue operating even when specific intermediary components experience issues
Data Source
AI summary
The systems and methods discussed enable users to perform functions in a multi-issuer environment. The systems and methods discussed herein enable card issuers or payment providers, such as banks, to issue contactless cards with tap-to functions to customers while maintaining high-level security. The systems and methods discussed herein further enable merchants to perform transactions and provide services across multiple devices in a distributed environment.