Digital Wallet Virtual Card Selection via Terminal ID Matching
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Solution Overview
Problem
Existing digital wallet systems face difficulties in efficiently selecting the correct virtual card for interactions due to the complexity of context-based rules and the need for modified protocols, which often result in user inconvenience and hardware/software updates.
Innovation Solution
A method that utilizes standard ISO/IEC 7816-4 identification data to automatically select a virtual card in a digital wallet by matching terminal identification data with reference identification data stored in the device, allowing for seamless card selection without protocol modifications.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If context-based rules are used to select virtual cards, then card selection accuracy is improved, but device complexity and protocol modification requirements increase
Solution Approach 1:
The patent applies preliminary action by pre-storing reference identification data (such as AID, RID, PIX, service category identifiers) associated with each virtual card in the digital wallet. When a terminal initiates an interaction, the device compares the terminal's identification data against these pre-stored references to automatically select the appropriate virtual card, eliminating the need for complex runtime context analysis and protocol modifications.
Solution Approach 2:
The patent uses copying by storing reference copies of terminal identification data (AID, RID, PIX, service category identifiers) that are associated with each virtual card. These reference identification data are pre-captured and stored in the digital wallet, allowing the system to match incoming terminal identification data against these stored copies for rapid card selection without requiring complex real-time context evaluation.
2Measurement precision
If contextual information is downloaded from server, then card selection accuracy is improved, but loss of time and user inconvenience increase
Solution Approach 1:
The patent applies preliminary action by pre-storing reference identification data (such as AID, RID, PIX, service category identifiers) associated with each virtual card in the digital wallet. When a terminal initiates an interaction, the device compares the terminal's identification data against these pre-stored references to automatically select the appropriate virtual card, eliminating the need for complex runtime context analysis and protocol modifications.
3Measurement precision
If modified protocols are implemented, then card selection accuracy is improved, but ease of operation and universality decrease
Solution Approach 1:
The patent applies universality by designing a card selection mechanism that works with standard, widely-adopted identification data formats (AID, RID, PIX, service category identifiers) that are already part of established contactless communication protocols. This approach allows the solution to be universally compatible with various terminals and communication standards without requiring proprietary protocol modifications, while still achieving accurate virtual card selection through comparison of identification data.
Data Source
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AI summary
The present invention relates to a method for operating an electronic device (1) storing a plurality of virtual cards in a digital wallet, characterized in that it comprises the following steps, performed by a processing unit (11) of the device (1): Receiving (a), from a terminal (2) connected to the electronic device (1), identification data related to the terminal (2); and selecting (b) at least one virtual card suitable for an interaction between the electronic device (1) and the terminal (2), among the plurality of virtual cards stored in the digital wallet, as a function of at least said identification data related to the terminal (2).