Digital Wallet Token Toggle Switch for Travel Security
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Solution Overview
Problem
Current security measures for personal information, particularly in financial transactions, lack effective management of digital wallets and payment credentials, leading to potential vulnerabilities when users travel or engage in transactions.
Innovation Solution
A token management system that includes a digital wallet management interface with a toggle switch, allowing users to deactivate and reactivate tokens based on travel status, ensuring secure use of payment credentials and managing multiple digital wallets and their associated credentials.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If traditional security measures are used for personal information, then basic verification is provided, but effective management of digital wallets and payment credentials during travel is lacking
Solution Approach 1:
The system dynamically adjusts token availability based on user travel status. When travel is detected or indicated, the system automatically deactivates original tokens and issues new travel-specific tokens. This dynamic adaptation allows the security system to respond to changing user conditions without requiring manual reconfiguration, resolving the contradiction between maintaining security and adapting to different usage scenarios.
Solution Approach 2:
The system changes the operational parameters of payment tokens based on travel status. Original tokens are deactivated and replaced with new tokens that have different validity parameters when travel is detected. This parameter change mechanism enables the system to maintain security while adapting to travel conditions, allowing users to continue transactions during travel with appropriately configured credentials.
2Ease of operation
If tokens remain continuously active for convenience, then ease of operation is improved, but exposure to unauthorized transactions increases
Solution Approach 1:
The system takes preliminary action by detecting travel status and deactivating original tokens before potential unauthorized transactions can occur. By proactively issuing new tokens when travel is detected, the system prevents exposure to unauthorized transactions rather than merely responding to security incidents. This preliminary anti-action maintains convenience during travel while reducing security risks.
Solution Approach 2:
The system introduces new tokens as intermediary credentials that replace original tokens during travel periods. These intermediary tokens serve as a protective layer, allowing legitimate transactions during travel while isolating the system from potential unauthorized access. The new tokens act as mediators between the user's travel needs and security requirements.
3Reliability
If multiple digital wallets are managed separately, then security isolation is improved, but device complexity increases
Solution Approach 1:
The system merges the management of multiple digital wallets into a single unified management platform. This consolidation allows users to manage all wallets and their associated tokens from one interface, reducing operational complexity while maintaining the security isolation of individual wallets. The unified platform provides centralized control without compromising the security boundaries between different wallet accounts.
Solution Approach 2:
The management platform is designed with universal functionality to handle multiple digital wallets, token types, and travel detection mechanisms through a single system. This multi-functional approach eliminates the need for separate management systems for each wallet, reducing overall device complexity while maintaining security isolation through the platform's ability to manage each wallet independently with appropriate token lifecycle control.
Data Source
AI summary
Embodiments are directed to token management. Embodiments initiate presentation of a digital wallet management interface including initiating presentation of a digital wallet; initiating presentation of an original token associated with the digital wallet; initiating presentation of a toggle switch comprising a first position and a second position and associated with the original token and configured for graphical manipulation by the user between the first position and the second position, wherein the first position corresponds to the original token being available for use as a payment credential; and where the second position corresponds to the original token being unavailable for use as a payment credential.