Digital Wallet Device Deactivation via Server Intermediary
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Solution Overview
Problem
Conventional digital wallet systems lack a convenient method for users to disable or remove devices associated with their digital wallet accounts, particularly in cases of device loss, theft, or security compromise, leading to potential fraud and unauthorized transactions.
Innovation Solution
A computer-implemented method and system that allows users to manage and deactivate user devices associated with a digital wallet account through a server-based system, enabling users to list, select, and deactivate devices to prevent further transactions, thereby enhancing security and control.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If a digital wallet application module is installed on multiple user devices for convenience of transactions, then the ease of operation is improved, but the security risk increases due to inability to disable the application on lost or stolen devices
Solution Approach 1:
The patent extracts the ability to remotely disable the digital wallet application from the user's physical possession. By implementing a server-based deactivation system, the user can remove or disable the application on specific devices remotely through a network connection, eliminating the security risk associated with lost or stolen devices without requiring physical access to those devices.
Solution Approach 2:
The patent introduces a server as an intermediary between the user and the digital wallet application on user devices. The server receives deactivation requests from the user and transmits instructions to disable the application on specified devices. This intermediary mechanism enables secure remote management of multiple devices, allowing the user to maintain convenience while mitigating security risks.
2Object-affected harmful factors
If remote deactivation capability is added to the digital wallet system to improve security, then the security risk is reduced, but the device complexity increases
Solution Approach 1:
The patent implements a self-service deactivation mechanism where the user independently manages the security of their own digital wallet devices. The user can initiate deactivation requests through a user interface on any accessible device, and the system automatically processes these requests without requiring customer service intervention or complex administrative procedures. This keeps the system relatively simple while providing enhanced security.
Solution Approach 2:
The patent creates a universal deactivation system that works across multiple device types and platforms. The server-based architecture allows the same deactivation mechanism to function regardless of whether the user is accessing the system from a smartphone, tablet, or computer. This multi-functionality reduces the need for device-specific implementations, thereby limiting the increase in overall system complexity.
Data Source
AI summary
Managing user devices associated with a digital wallet account comprises associating, using one or more computing devices, one or more user computing devices with a digital wallet account of a user, each of the associated one or more user computing devices being activated to conduct financial transactions with a merchant utilizing the digital wallet account; presenting the associated user computing devices in a list of associated user computing devices; receiving a request to deactivate a particular user computing device from the list of associated user computing devices; deactivating the particular user computing device, the deactivation being sufficient to prevent the user computing device from conducting transactions with a merchant utilizing the digital wallet account; and presenting a deactivated status of the particular user computing device.