Digital Wallet Credential Handoff Across Unsupported Platforms
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Solution Overview
Problem
The lack of interoperability between different electronic platforms prevents the seamless utilization of digital credentials, as they are often proprietary and incompatible due to divergent security protocols, data formats, and communication standards, making it difficult to present credentials across platforms.
Innovation Solution
The proposed system allows for the initiation and completion of digital transactions on an unsupported platform by using a merchant website's digital credential software library to establish a connection between the user's first entity platform and a payment provider server, enabling the presentation of locally stored credentials via a secure element.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If digital credentials are stored on a proprietary platform with specific security protocols and data formats, then the credential security and platform integration are improved, but the interoperability with other platforms deteriorates
Solution Approach 1:
The patent introduces a credential translation service that acts as an intermediary between the proprietary platform and external platforms. This service receives credential requests from unsupported platforms, translates them into the proprietary platform's data formats and security protocols, retrieves the credentials, and returns them in the requested format. This mediator resolves the contradiction by enabling interoperability without compromising the security of the proprietary platform.
Solution Approach 2:
The system dynamically changes data format parameters and communication protocol parameters based on the requesting platform's requirements. The credential translation service adjusts encryption methods, data structures, and authentication mechanisms to match the target platform's specifications while maintaining the integrity of the original credential stored on the proprietary platform.
2Reliability
If a platform uses proprietary data formats and communication standards for digital credentials, then the platform's security control is improved, but the ease of operation across different platforms deteriorates
Solution Approach 1:
The credential translation service serves as an intermediary that handles the complexity of format conversion and protocol translation, making the process transparent to users. Users can present credentials on any platform without needing to understand or configure different security protocols, as the service automatically manages the translation between proprietary and external formats.
3Manufacturing precision
If digital credential systems are designed with platform-specific protocols, then the manufacturing precision of security implementations is improved, but the device complexity increases
Solution Approach 1:
The credential translation service consolidates the complexity of multiple platform protocols into a single intermediary component. Rather than implementing multiple security systems within each platform, the architecture uses one proprietary secure storage system plus a translation service that handles all protocol variations, reducing overall system complexity while maintaining security precision.
Data Source
AI summary
The subject system may be implemented by a processor circuit configured to establish, by a digital wallet launched on the first user device, a communication channel with a first server associated with a payment provider, the payment provider being used in a transaction between a merchant website accessed on a second user device and a second server associated with the merchant website, wherein the second user device does not support the payment provider, receive, by the digital wallet and from the first server, transaction information corresponding to the transaction, provide, by the digital wallet and to the first server, a payment credential stored on the first user device, and receive, by the digital wallet and from the first server, a result of the transaction performed using the payment credential on behalf of the first user device.