Centralized Trusted Service Manager Hub for Mobile Payments
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Solution Overview
Problem
Current mobile contactless transaction systems lack a centralized communication point that can securely connect multiple entities and support various protocols, leading to complex business arrangements and operational hurdles in distributing mobile payment devices and managing associated accounts.
Innovation Solution
A centralized trusted service manager system, or interconnectivity service hub, facilitates communication between financial institutions, secure element owners, and mobile network operators by providing a routing table module for destination address determination, a protocol adapter module for interface translation, and a key management module for secure information exchange, enabling secure and efficient mobile payment transactions.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If each financial institution has its own trusted service manager to communicate with secure elements, then security requirements are met, but system complexity and operational hurdles increase
Solution Approach 1:
The patent introduces a centralized trusted service manager hub as an intermediary that mediates all communications between financial institutions and secure elements. This hub consolidates multiple individual TSM functions into a single centralized entity, reducing system complexity while maintaining security through centralized key management and protocol handling.
Solution Approach 2:
The patent merges multiple distributed trusted service manager functions into a single centralized hub that handles security operations for all financial institutions. By combining individual TSM instances into one unified system, the patent reduces operational complexity while preserving security requirements through centralized authentication and key management.
2Adaptability or versatility
If multiple trusted service managers are used to support different entities and protocols, then adaptability is improved, but device complexity increases
Solution Approach 1:
The centralized trusted service manager hub is designed to perform multiple functions: it handles communications with various financial institutions, manages different secure elements, and supports multiple protocols simultaneously. This universal design allows a single hub to replace multiple specialized TSM instances, reducing complexity while maintaining adaptability.
Solution Approach 2:
The hub acts as a universal intermediary that translates between different protocols and interfaces. It receives communications from various entities using different protocols, translates them into a standardized internal format, and manages secure element communications, thereby providing protocol adaptability without requiring each entity to implement multiple protocol stacks.
3Reliability
If individual business arrangements are made between each entity and trusted service manager, then security is maintained, but ease of operation deteriorates
Solution Approach 1:
The patent combines multiple individual business arrangements and security agreements into a single centralized hub that manages security for all entities. Instead of requiring separate security arrangements between each financial institution and individual TSMs, the hub provides unified security management, simplifying operational procedures while maintaining security requirements.
Solution Approach 2:
The centralized hub serves as an intermediary that handles all security-related communications and business arrangements centrally. Financial institutions interact with the hub through standardized interfaces, eliminating the need for multiple individual security agreements and simplifying operational workflows while maintaining security through centralized authentication and authorization.
Data Source
AI summary
Embodiments of the present invention are directed to a centralized trusted service manager system in the form of a trusted service manager interconnectivity service hub, which facilitates and provides communications between entities involved I mobile contactless payment systems. One embodiment is directed to a method for processing a message related to a mobile payment application on a secure element of a mobile communication device through an interconnectivity services hub including receiving the message from a first entity in a first protocol and determining a trusted service manager associated with the secure element from among a plurality of trusted service managers using a routing table comprising routing information. Then the method continues by determining a second protocol corresponding to the trusted service manager associated with the secure element, translating the message into the second protocol, and sending the translated message to the trusted service manager which communicates with the secure element.