Digital Wallet Credential Import via Third-Party App APIs

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Solution Overview

Problem

Obtaining and storing personal electronic credentials on mobile devices, such as credit cards and identification cards, is tedious and inefficient, often requiring manual entry of details.

Innovation Solution

A computing system and method that utilizes application programming interfaces (APIs) to facilitate the display of electronic credentials on a user interface, allowing users to request storage via interactive objects, and automatically or manually store these credentials in a digital wallet service or local memory using a mobile device.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If manual entry of credential details is used, then user control over the process is maintained, but the process becomes tedious and time-consuming

Engineering Contradiction:

Improveease of storing credentialsVSAvoidtime required for manual entry

Core Design Contradiction:

Ease of operationVSLoss of time

Solution Approach 1:

The system enables self-service by automatically detecting and importing credential information from third-party applications without requiring manual user input. The digital wallet service autonomously extracts credential data through API interactions, eliminating the need for users to manually enter card numbers, expiration dates, and CVV codes while maintaining user control through optional confirmation prompts.

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The patent introduces an intermediary mechanism in the form of a bridge application that facilitates communication between third-party applications and the digital wallet service. This intermediary uses application programming interfaces (APIs) to automatically transfer credential information, acting as a mediator that enables seamless data exchange without requiring manual intervention from users.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Productivity

If automatic credential storage is implemented, then efficiency is improved, but system complexity increases

Engineering Contradiction:

Improvespeed of credential storageVSAvoidcomplexity of import system

Core Design Contradiction:

ProductivityVSDevice complexity

Solution Approach 1:

The system achieves universality by designing a multi-functional bridge application that can import various types of electronic credentials from different third-party applications through standardized API interfaces. This universal approach allows the same import mechanism to handle credit cards, debit cards, and other electronic credentials without requiring separate complex systems for each credential type, thereby managing complexity through standardization.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The bridge application serves as an intermediary layer that simplifies the system architecture by providing a unified interface between diverse third-party applications and the digital wallet service. This intermediary handles the complexity of API interactions, data formatting, and credential validation centrally, reducing the complexity burden on individual components while enabling efficient automatic storage.

Inventive Principle:

Principle #24Intermediary (Mediator)

3Adaptability or versatility

If third-party application integration is used, then credential accessibility is improved, but security risks increase

Engineering Contradiction:

Improveability to store various credentialsVSAvoidsecurity risks from external applications

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The bridge application acts as a secured intermediary between third-party applications and the digital wallet service, implementing security measures such as authenticated API calls, encrypted data transmission, and validated credential verification. This intermediary layer isolates potential security risks from the core digital wallet system while maintaining the ability to integrate with various third-party applications for credential storage.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The system incorporates feedback mechanisms where the digital wallet service validates and verifies credential information received from third-party applications before storage. This feedback loop includes verification of credential authenticity, expiration date validation, and confirmation prompts to users, ensuring that only secure and valid credentials are stored while maintaining adaptability to various credential types.

Inventive Principle:

Principle #23Feedback

Data Source

PatentUS12505425B2System and method for importing electronic credentials with a third-party application

Publication Date: 2025.12.23 GOOGLE LLC

AI summary

One example aspect of the present disclosure is directed to a computing system that includes at least one processor and at least one tangible, non-transitory computer-readable medium that stores instructions that, when executed by the at least one processor, cause the at least one processor to perform operations. The operations can include providing, for display in a user interface, data from an application and data that describes an electronic credential; receiving a user input that requests storing the electronic credential; and receiving via an application programming interface, data that describes the electronic credential.