Multi-Tiered Wallet Container Architecture for Secure Mobile Transactions

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Solution Overview

Problem

Existing mobile transaction processing systems lack scalability and flexibility to meet the growing demand for secure personalized transaction services, failing to address the need for efficient client contact and business needs in a multi-domain ecosystem.

Innovation Solution

A multi-tiered secure mobile transaction platform is introduced, comprising an enabling tier, service tier, personalization tier, and expert tier, which facilitates secure transactional services through dynamic authentication, tokenization of transaction credentials, and a robust trust model, enabling direct transactions between multiple merchants and users without intermediaries.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If existing mobile transaction processing systems are used, then basic transaction functionality is provided, but scalability and flexibility are insufficient to meet growing demand for secure personalized transaction services

Engineering Contradiction:

Improvescalability and flexibilityVSAvoidsecure personalized transaction services

Core Design Contradiction:

Adaptability or versatilityVSReliability

Solution Approach 1:

The system is divided into multiple isolated wallet containers, each handling specific transaction services. This segmentation allows independent scaling and configuration of each container while maintaining security isolation, resolving the contradiction between scalability and security reliability.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

A multi-tiered platform architecture is introduced as an intermediary layer between transaction requests and wallet containers. This platform provides centralized security management, dynamic authentication, and service orchestration, enabling scalable personalized services while maintaining security standards across all containers.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Adaptability or versatility

If multiple wallet containers are configured on a single mobile device, then service diversity and personalization are enhanced, but system complexity increases

Engineering Contradiction:

Improveservice diversity and personalizationVSAvoidsystem complexity

Core Design Contradiction:

Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The multi-tiered platform provides universal security management and service orchestration functions that work across all wallet containers. This universal layer handles authentication, authorization, and transaction coordination centrally, allowing multiple specialized containers to coexist without proportionally increasing overall system complexity.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

Wallet containers are nested within the multi-tiered platform architecture, with each container operating in an isolated environment while accessing shared services through defined interfaces. This nesting structure allows service diversity within containers while the platform layer manages complexity externally.

Inventive Principle:

Principle #7Nested doll (Nesting)

3Productivity

If direct transactions between merchants and users are enabled without intermediaries, then transaction efficiency and user control are improved, but security risks increase

Engineering Contradiction:

Improvetransaction efficiencyVSAvoidsecurity

Core Design Contradiction:

ProductivityVSReliability

Solution Approach 1:

The multi-tiered platform acts as a trusted intermediary that enables direct peer-to-peer transactions while maintaining security. It provides dynamic authentication, cryptographic verification, and transaction validation without requiring traditional financial intermediaries, thus achieving both efficiency and security.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system implements continuous feedback mechanisms through dynamic authentication and transaction monitoring. The platform verifies user identities, validates transaction parameters, and provides real-time security checks, allowing direct transactions to proceed efficiently while maintaining security through active verification loops.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS10269011B2Configuring a plurality of security isolated wallet containers on a single mobile device

Publication Date: 2019.04.23 MASTERCARD MOBILE TRANSACTIONS SOLUTIONS

AI summary

Configuring a plurality of security isolated wallet containers on a single mobile device includes configuring at least one mobile transaction platform-specific application programming interface for facilitating access to secure mobile transaction platform resources by a wallet container executing on a mobile device; disposing a plurality of distinct wallet containers in a memory of the mobile device, wherein each wallet container interfaces with secure mobile transaction platform resources via the at least one application programming interface; disposing at least one service provider-specific wallet in each of the plurality of distinct wallet containers; and enforcing service-provider specific wallet security by a distinct wallet container accessing a portion of the secure mobile transaction platform resources via the at least one application programming interface.