Tokenization Platform Pushing Promotions to Digital Wallets
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Solution Overview
Problem
Existing digital wallet systems require users to visit external websites to enroll in promotions, which is inconvenient and exposes sensitive information to potential risks.
Innovation Solution
A tokenization platform is used to push promotions directly to a digital wallet on a mobile device, allowing users to accept promotions within the app and enabling automatic enrollment without exposing sensitive information.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If users visit external websites to enroll in promotions, then promotions can be monitored and credited, but user convenience deteriorates and sensitive information exposure risk increases
Solution Approach 1:
The patent merges the promotion enrollment and monitoring functions directly into the digital wallet application. The tokenization platform integrates with the digital wallet to enable users to enroll in promotions, view their status, and receive credits all within the wallet app, eliminating the need to visit external websites while maintaining reliable promotion monitoring through the integrated tokenization infrastructure
Solution Approach 2:
The tokenization platform acts as an intermediary between the digital wallet and promotion monitoring systems. It receives push notifications about promotions from merchants or issuers and manages the enrollment process securely within the wallet environment, preventing direct exposure of sensitive card information while enabling reliable promotion tracking
2Reliability
If users visit external websites to enroll in promotions, then promotions can be monitored and credited, but sensitive information exposure risk increases
Solution Approach 1:
The tokenization platform serves as a secure intermediary that handles all promotion-related communications without exposing sensitive cardholder data. It receives push notifications from merchants, manages enrollment internally, and coordinates with the digital wallet to process promotions, thereby eliminating the need for users to input sensitive information on external websites while maintaining reliable promotion monitoring
Solution Approach 2:
The system enables self-service promotion enrollment through automated push notifications sent directly to the digital wallet. Users can enroll in promotions by simply accepting notifications within the wallet app, and the tokenization platform automatically handles the enrollment process and subsequent monitoring without requiring users to visit external websites or expose sensitive information
3Reliability
If promotion monitoring scans transaction repository after-the-fact, then promotions can be credited, but processing time increases
Solution Approach 1:
The system performs preliminary actions by establishing promotion enrollment and monitoring rules in advance through the tokenization platform. When transactions occur, the pre-configured rules enable real-time or near-real-time evaluation and crediting of promotions, eliminating the need for lengthy after-the-fact scanning and manual processing while maintaining accurate promotion crediting
Data Source
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AI summary
Provided are systems and methods enabling enrollment in promotions via a tokenization platform. In one example, the method may include establishing a network communication channel between a tokenization platform and a digital wallet of a user device, transmitting a promotion from the tokenization platform to the digital wallet on the user device via the established network communication channel, receiving authorization to accept the promotion at the tokenization platform from the digital wallet on the user device, and identifying tokenized payment account information of the digital wallet stored at the tokenization platform and automatically transmitting information about the tokenized payment account information of the digital wallet information from the tokenization platform to a promotion enrollment system associated with the promotion. The example embodiments use existing payment network infrastructure to provide seamless promotional enrollment through a tokenization platform instead of a standalone website.