Digital Wallet Credential Relay for Unsupported Web Payments
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Solution Overview
Problem
The lack of interoperability between different electronic platforms prevents the seamless utilization of digital credentials, such as digital payment cards, due to proprietary security protocols, data formats, and communication standards, limiting their use across incompatible platforms.
Innovation Solution
A mechanism is provided to initiate digital payments on a web browser of a second entity platform using a digital credential from a first entity platform, facilitated by a payment provider server that acts as an intermediary, allowing connection through scanning a temporary code or logging in, and maintaining a secure communication channel for credential presentation.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If digital credentials use proprietary security protocols and data formats on a first electronic platform, then security and authentication reliability are improved, but interoperability with second electronic platforms is worsened
Solution Approach 1:
The patent introduces a credential relay service as an intermediary component that mediates between the first electronic platform (with proprietary protocols) and the second electronic platform. The relay service receives credential requests from the second platform, forwards them to the first platform, and relays responses back, enabling interoperability without compromising the security protocols of either platform. This mediator approach allows digital credentials to be presented across incompatible platforms while maintaining authentication reliability.
2Ease of operation
If a web browser on a second entity platform initiates a digital payment, then ease of operation is improved, but security protocol compatibility is worsened when the platform is unsupported
Solution Approach 1:
When a web browser on an unsupported second entity platform initiates a payment, the system employs a credential relay service as a mediator to bridge the protocol gap. The relay service receives the payment initiation request from the browser, translates it into the appropriate protocol for the first platform, and manages the credential presentation process. This allows users to conveniently initiate payments on any web platform while ensuring reliable protocol compatibility through the intermediary's translation and coordination capabilities.
Solution Approach 2:
The patent replaces direct mechanical protocol interaction between incompatible platforms with a software-based relay mechanism. Instead of requiring the second platform's browser to directly implement proprietary security protocols, the system substitutes a web-based interface that communicates through standardized web protocols (HTTPS, JavaScript) with the credential relay service, which then handles the proprietary protocol requirements. This substitution enables ease of operation on any web platform while maintaining security through the relay service's protocol translation capabilities.
3Reliability
If digital credentials are stored on a digital wallet of a first electronic device, then security and control are improved, but accessibility from second electronic devices is worsened
Solution Approach 1:
The credential relay service acts as a secure intermediary that enables cross-device accessibility without compromising credential security. When a user needs to present credentials from their first electronic device on a second device, the relay service facilitates secure communication between the devices. The service authenticates the user, establishes secure channels, and manages the credential transmission process, allowing users to access their digital wallet credentials from multiple devices while maintaining the security controls and ownership established on the original device.
Data Source
AI summary
The subject system may be implemented by a processor circuit configured to receive a selection of a payment provider at a user interface of a merchant website on a web browser, the selection corresponding to a request to perform a transaction with a first server associated with the merchant website using the payment provider, determine, by a script corresponding to the payment provider and running in the web browser, whether the payment provider is supported, responsive to determining that the payment provider is unsupported, provide, to a second server, transaction information corresponding to the transaction, facilitate establishing a communication channel between the second server and a digital wallet of a second user device, the digital wallet supporting the payment provider, receive, from the second server, a payment credential of the digital wallet, and provide the payment credential to the first server to perform the transaction.