Token State Synchronization via Account Management Intermediary

Resolve Bottlenecks,
Find Innovative Solutions
Generate Solutions

Solution Overview

Problem

The increasing number of digital resource access applications, such as wallet and ticketing apps, complicates integration and control, particularly due to the use of barcodes like QR codes, which are difficult to manage and secure.

Innovation Solution

A process for managing application tokens, where a service provider application on a communication device requests an application token from a service provider computer, which then provisions the token to a token container on an account management application, facilitating secure storage and use.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If barcodes such as QR codes are used for resource access, then user convenience is improved, but security and control are worsened due to easy copying and manual selection requirements

Engineering Contradiction:
Improveuser convenienceVSAvoidsecurity and control
Core Design Contradiction:
Ease of operationVSReliability

Solution Approach 1:

The patent introduces an account management application as an intermediary layer between the service provider applications and the user's communication device. This intermediary manages tokens securely, controlling their distribution and usage without requiring direct integration between numerous service providers and wallet providers, thereby maintaining security while enabling convenient access.

Inventive Principle:
Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces physical barcodes and QR codes with digital tokens that can be securely copied and transmitted only through authorized channels. These tokens are provisioned through the account management application, which controls their creation and distribution, preventing unauthorized copying while maintaining the convenience of digital access.

Inventive Principle:
Principle #26Copying

2Adaptability or versatility

If multiple service provider applications integrate with multiple account management applications, then versatility is improved, but integration complexity is worsened

Engineering Contradiction:
Improveintegration capabilityVSAvoidintegration complexity
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The account management application serves as a universal intermediary that can work with multiple different service provider applications through standardized interfaces. It provides multi-functional capabilities including token provisioning, management, and secure transmission, allowing diverse applications to integrate without requiring custom integration logic for each pair of applications.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent positions the account management application as a mediator that simplifies the integration architecture. Instead of requiring direct point-to-point integration between numerous service providers and wallet providers, the intermediary handles all communication and token management, reducing integration complexity from O(n²) to O(n) relationships.

Inventive Principle:
Principle #24Intermediary (Mediator)

3Reliability

If tokens are provisioned through a centralized account management application, then security is improved, but system complexity is worsened

Engineering Contradiction:
ImprovesecurityVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent merges multiple security functions into a single account management application, including token provisioning, secure storage, and controlled distribution. This consolidation improves security by centralizing control while managing complexity through a unified interface that abstracts the underlying complexity from individual service providers and users.

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS12204658B2Token state synchronization
Publication Date: 2025.01.21 VISA INTERNATIONAL SERVICE ASSOCIATION
  • US12204658B2 patent drawing
  • US12204658B2 patent drawing
  • US12204658B2 patent drawing

AI summary

Techniques for managing an application token may include providing, by a first service provider application on a communication device to a first service provider computer, a first request for a first application token, receiving, by an account management application on the communication device from a token service computer in communication with the first service provider computer, the first application token, and storing the first application token in a token container in the account management application.