Co-network Account Tokenization and Provisioning
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Solution Overview
Problem
The provisioning of user accounts associated with multiple transaction processing networks is burdensome for users, as they need to undergo separate identification and verification processes for each network, requiring multiple tokens and re-authentication.
Innovation Solution
A method and system that automatically provision multiple payment tokens on a user device by utilizing the authentication result from one transaction processing network to generate and provision tokens for associated networks, eliminating the need for re-authentication during the provisioning of subsequent tokens.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If separate authentication processes are performed for each transaction processing network, then security is improved, but user burden and provisioning time increase
Solution Approach 1:
The system performs preliminary authentication with the first transaction processing network before the user requests provisioning with the second network. The authentication result is stored and automatically reused when the user subsequently provisions with the second network, eliminating the need for repeated authentication and reducing provisioning time while maintaining security
Solution Approach 2:
The authentication result obtained from the first transaction processing network is made universally applicable across multiple transaction processing networks. The same authentication result serves multiple functions: it authenticates the user for the first network and is automatically reused for the second network, reducing redundant authentication steps
2Adaptability or versatility
If multiple tokens are provisioned for co-network accounts, then compatibility with multiple networks is improved, but device complexity and user management burden increase
Solution Approach 1:
The system merges the token provisioning process for multiple transaction processing networks into a single unified operation. When the user provisions with the first network, the system automatically detects co-network status and provisions tokens for all associated networks simultaneously, rather than requiring separate provisioning steps for each network
Solution Approach 2:
The system automatically detects when an account is associated with multiple transaction processing networks and self-provisions the additional tokens without requiring user intervention. The system identifies co-network accounts, retrieves authentication results, and provisions tokens for all networks automatically, reducing user burden and management complexity
Data Source
AI summary
The present disclosure relates generally to tokenization of a co-network account. A co-network account, as used herein, refers to an account associated with a first transaction processing network for processing transactions initiated using the account and a second transaction processing network for processing transactions initiated using the account. During provisioning of a co-network account onto a user device, a first token is generated for use with the first transaction processing network and a second token is generated for use with the second transaction processing network. Embodiments use the authentication result generated during the provisioning of the first token for the provisioning of the second token. Embodiments automatically provision multiple payment tokens on the user device upon determining that the account is associated with more than one transaction processing networks (e.g. the account is a co-network account).