Digital Wallet Roaming Configuration for Cross-Network Payments
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Solution Overview
Problem
Users face difficulties in performing financial transactions when roaming outside their mobile payment card's configured national payment network, as current solutions often rely on international networks like VISA or MASTERCARD, which may not be preferred and lack interoperability with national systems.
Innovation Solution
A method and system enabling a digital wallet application to dynamically adapt and configure with both a home and roaming payment networks, allowing seamless transactions by establishing interoperability between distinct payment networks.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If a mobile payment card is configured to operate with a national payment network, then it can perform transactions efficiently within the domestic area, but it cannot perform transactions when roaming outside the domestic area where the national payment network is not accessible
Solution Approach 1:
The mobile payment card is configured with multiple payment network specifications (both national and international) within a single device, enabling it to function across different payment networks. The digital wallet application detects the current location and automatically selects the appropriate network configuration, making the card universally compatible without requiring separate cards for different regions.
Solution Approach 2:
The payment card configuration is made dynamic rather than static. The digital wallet application continuously monitors the user's location and dynamically switches between national and international payment network configurations based on whether the user is within or outside their domestic area, ensuring continuous transaction capability across different environments.
2Adaptability or versatility
If a single global payment network like VISA is used for roaming payments, then interoperability is achieved, but users lose the ability to use preferred national payment systems and regional networks are not utilized
Solution Approach 1:
The system dynamically adapts to user needs and location automatically. When roaming, the digital wallet application detects the absence of national network coverage and seamlessly switches to international network configuration without requiring user intervention, maintaining ease of operation while achieving interoperability.
Solution Approach 2:
The mobile device acts as an intermediary between national and international payment networks. It contains both network configurations and intelligently routes transactions through the appropriate network based on location, allowing users to indirectly access both national systems when available and international systems when roaming, without needing to manually switch networks.
3Adaptability or versatility
If multiple payment network configurations are stored in the digital wallet, then roaming capability is enabled, but the device complexity and data management become more challenging
Solution Approach 1:
The digital wallet application implements self-service functionality by automatically detecting the user's current location and selecting the appropriate payment network configuration without requiring manual user input. The system monitors GPS coordinates and network availability, automatically switching between national and international configurations, thereby simplifying the user experience despite storing multiple network profiles.
Solution Approach 2:
The system employs feedback mechanisms where the digital wallet application continuously monitors location data and network availability status. Based on this feedback, it automatically adjusts the active payment network configuration, ensuring optimal performance while managing multiple configurations through intelligent automation rather than manual control.
Data Source
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AI summary
The invention relates to a method implemented by a mobile device (DV) for managing a digital wallet application (DWA), initially configured with first data (DTI) of a mobile payment card (CI) for operating in a home payment network (H-NT), the method comprising: sending (S40) location information (LOC) of the mobile device; receiving (S48) roaming information (RI) identifying a roaming payment network (R-NT) available to the mobile device; selecting (S50) a roaming payment network (R-NT); obtaining (S68) a second data (DT2) allocated to the mobile payment card for operating in the selected roaming network; and configuring (S70) the digital wallet application so that it can use the mobile payment card in the roaming payment network. The invention also relates to a processing method implemented by a server for sending (S46) the roaming information (RI) and sending the second data (DT2).