Token Provisioning via Intermediary Service
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Solution Overview
Problem
Existing tokenization systems struggle to keep up with the increasing demand for tokens, leading to bottlenecks and limitations in supporting new features like push provisioning, due to dependency on service providers for infrastructure changes.
Innovation Solution
A method and system that enable token provisioning by directly communicating between a processing computer, a user device, a resource provider computer, and a token service computer, allowing for the generation and distribution of tokens without intermediaries, thereby bypassing the need for service provider involvement in infrastructure changes.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If service providers implement tokenization infrastructure, then token generation capability is improved, but system complexity and resource requirements increase
Solution Approach 1:
The patent introduces a tokenization service as an intermediary component that mediates between resource providers and the tokenization infrastructure. This service handles the complex token generation and management operations, allowing resource providers to benefit from tokenization capabilities without directly implementing or managing the complex infrastructure themselves.
2Adaptability or versatility
If service providers enable new features like push provisioning, then functionality is improved, but resource requirements and implementation burden increase
Solution Approach 1:
The tokenization service operates autonomously to enable new features like push provisioning. The service self-manages the infrastructure requirements and resource allocation needed to support these features, eliminating the burden from service providers while maintaining adaptability and functionality.
3Quantity of substance
If tokenization demand increases, then user coverage is improved, but processing bottleneck increases
Solution Approach 1:
The patent segments the tokenization workload by introducing a dedicated tokenization service that handles token generation independently from the resource provisioning process. This segmentation allows the system to scale token generation capacity separately, improving overall productivity and reducing bottlenecks as token demand increases.
Data Source
AI summary
Enrollment data packet including device information of a user and resource provider information is received by a processing computer from an authorizing entity computer. The processing computer generates a token request push data packet including user information and the device information and transmits, to user device, the token request push data packet. The user device then transmits a request to initiate token provisioning to a resource provider computer associated with the resource provider information. Provisioning request generated based on the request to initiate the token provisioning is received by the processing computer from the resource provider computer and transmitted to a token service computer. The provisioning request includes the token request push data packet. Upon receiving the provisioning request, the token service computer determines token data using the device information and the user information and provides the token data to the resource provider computer.