Contactless Card with Multi-Profile Management and Automatic Profile Selection Method

Abstract

This invention allows multiple profiles (bank card, school card, transportation card) within a single physical card with an NFC chip. (vs.) and automatically activates the appropriate profile according to the type of terminal device, processing the transaction. It relates to the system that enables this. When a user subscribes to a new service, this profile is added to their card. You can install it via a mobile application or device. This eliminates the need to carry multiple cards. It eliminates the need for manual intervention, reduces processing time, and increases security.

Description

Contactless Card with Multi-Profile Management and Automatic Profile Selection Method The invention includes multiple different usage profiles (transportation card, payment card, school card, etc.) capable of hosting the card profiles that the user requests through authorized applications and systems. It can later be installed and managed, and also allows the user to remotely apply new service profiles. It relates to a contactless (NFC-based) physical card system that allows for loading. The card contains a blank Secure Element when first issued. The user can access it via compatible mobile applications. Alternatively, you can load card profiles offered by different service providers onto your card via devices. can be deleted or updated. This method allows multiple cards to be used with a single physical card interface. Multiple services can be managed according to the user's request. Each profile on the card is protected by independent encryption and cannot be changed without user consent. Thus, the card offers a secure, flexible, and user-specific experience. The invention automatically creates the correct profile according to the type of terminal device (POS, turnstile, card reader) in which it is used. It relates to a system that performs actions based on selection. The invention relates to the use of multiple different card profiles (bank card, NFC-enabled) within a single contactless (NFC-enabled) physical card. (public transport card, school ID card, access card, etc.) to be stored and read by the relevant card reader device. A system that automatically selects the correct card profile based on the type of signal being sent. It is related to. Thanks to this invention, users can carry a single card instead of carrying separate cards for different purposes. You can perform all your transactions with the physical card. The card contains multiple independent profiles, and Each profile is protected within a secure element. The card is secured from the terminal device in which it is used. (For example, POS device, public transport turnstile, school entrance turnstile, etc.) detects the incoming signal and the device It defines the type. After the definition process, the card profile suitable for the device's needs is automatically selected. It is activated and the process is completed. For example, when a user brings their card close to the school turnstile in the morning, the system activates their school ID profile. This allows passage; on the same day, when approaching the metro turnstile, it automatically switches to public transport. The payment is made by switching to the card profile; however, it is automatic when shopping at a supermarket in the evening. This allows you to switch to your bank card profile and make payments at the POS device. (While going to the gym...) The gym turnstile opens automatically with the same card. These access operations are performed without user intervention, using the card. Communication between the device and the operator is performed completely automatically. The invention simplifies the user experience, reduces the burden of physical cards, and enables contactless transactions. This speeds up the process. Furthermore, data security is ensured by protecting each profile with independent security measures. and user privacy is ensured. 35. Technical Description of the Invention (Detailed) 4.1. General Description: The card uses NFC technology and contains multiple independent card profiles (for example, bank card, (transportation card, school ID, turnstile access card, etc.) can store these items on a single physical chip, and the device It relates to a smart card system that can automatically select the correct profile according to its type and process transactions. 1 4.2. Working Method: • When the card is brought close to an NFC reader, it analyzes the data signal sent by the reader. does. • The device type is determined based on the data received from the reader: • POS device → Bank card profile will be activated. • Public transport turnstile → Istanbulkart profile becomes active. • School turnstile → School card profile becomes active. • The transaction is carried out using the defined profile. 4.3. Purpose of the Invention The invention aims to enable the user to access card profiles from different service providers through a single physical card. The goal is to enable users to install, update, and securely manage their data. Thus... The user can personalize the card as they wish, eliminating the need to carry multiple cards for different purposes. 4.4. Technical Specifications: • The card contains an NFC chip that complies with ISO / IEC 14443 standards. • The card contains a blank or partially pre-loaded Secure Element. • Users can access card profiles via a mobile application or a computer program. loads. • Each profile is loaded with an independent Application Domain in the card's Secure Element. is created. • Correct profile selection when the card is brought close to an NFC terminal (POS device, turnstile, etc.) It analyzes the data coming from the device. • The correct card profile is activated by detecting the device type (POS, access control turnstile, school reader). It is done. • Users can delete or update profiles from the card if they wish. • Encrypted communication is used during data transfer. • Profile uploading or modification is not possible without authorization. • Each profile on the card has its own unique security keys (cryptographic keys). • The card does not store any balance or transaction data; it only carries identification information. Transactions are carried out through the infrastructure of the relevant service provider. 2 • When a user registers for a new service (e.g., gym, parking, event space), They can add a new profile specific to that service to their physical card. • This loading process involves inserting the card directly into the service provider's device or using a mobile device. This can be done remotely via the application (QR code, NFC reading, or API connection). 🔵 Remote Profile Upload Feature: When a cardholder joins a gym or wants to use a new service: Profile information received from the service provider system (e.g., QR code, NFC tag, or digital invitation) code), By promoting it through its own mobile application, You can upload a new profile to your card. Alternatively, the service provider system can directly detect the card and, with the user's permission, create a new profile. can upload. Thanks to this system, users can use their existing card to make changes without having to get a new one. Users can use it by adding service profiles. 🔵 Suitability for Industrial Use: It is compatible with all existing NFC-enabled terminal devices (POS, turnstiles, access readers). It is easy to use because it can be managed via a mobile application. It can be applied across a wide range of sectors (transportation, payments, identification, gyms, campus systems). 🔵 Security: Each newly uploaded profile is encrypted with a unique security key on the card. Even if the card is lost, the data remains secure because the profiles are protected independently. 4.5. Technical Issue: In the current systems, users have to carry different cards separately, such as transportation cards, bank cards, and school cards. They are obliged to. Each service provider uses its own card system, which means that users need to pay with a card. This makes management difficult. Furthermore, existing cards have fixed profiles; users can change profiles later. They cannot add or modify anything. This makes the user experience more difficult and lacks flexibility. It does not provide. 3 5. Advantages (Why is it different?) Users can access multiple services with a single card, eliminating the need to carry multiple cards. • Because the card automatically selects the correct profile, usage speed increases and the possibility of errors decreases. • Data security is ensured by protecting each profile with independent security measures. • Card production and usage costs are reduced (multiple functions with a single card). • User experience is simplified, and confusion is reduced. • The user does not need to change their card. • Usage time and processing time are significantly reduced. • It automatically adapts to any environment (supermarket, school, subway). • All profiles are securely stored on a single card. • Access to multiple services is provided with a single card. TECHNICAL SPECIFICATIONS AND WORKING PRINCIPLE OF THE INVENTION: 1. The card features an NFC (Near Field Communication) chip compliant with the ISO / IEC 14443 standard. It is located. 2. Secure Element (SE) or similar secure data storage area located within the card. Thanks to this, each card profile is protected independently. 3. Multiple profiles are stored on the card. Each profile represents the following: • Bank card profile, • Public transport card profile, • School access card profile, • Other identity or payment profiles that may be requested. 4. The card is inserted into a terminal device (POS machine, public transport turnstile, school turnstile, etc.) when brought closer: • The terminal device communicates with the card and sends a signal containing identification information. • The system inside the card analyzes the incoming signal. • The type of terminal device (POS? Metro turnstile? School turnstile?) is determined. • The card profile compatible with the terminal type is automatically activated. • The transaction is performed through the active profile. 5. The user does not make any manual mode selection when presenting the card to the device. 6. Each profile has its own internal security system (encryption, authentication, etc.). 4 7. The system is optimized to provide fast and seamless transitions, thus enabling mass transit. In high-traffic areas such as transportation, processing time is minimized. 6. Use Cases (Examples) Example 1: A student shows their card at the school turnstile in the morning to pass through, and the system automatically... The student switches to their school card profile and gains access. The student then uses the same card when boarding the subway. The system allows passage by switching to the Istanbulkart profile. When shopping at the market in the evening... The card automatically switches to the bank card profile and the payment is processed. Example 2: When an employee shows their card at the entrance turnstile, their identity profile is automatically activated. (Canteen meal) When purchasing, the same card switches to the payment profile. APPLICATION AREAS OF THE INVENTION: • Public transportation systems (such as Istanbulkart), • Banking and payment systems, • University campus cards and student ID systems, Gyms, • Company employee cards, • Entry, exit, and payment systems in public institutions.

Claims

Claim 1: Within a single contactless NFC chip, it can store the identity profiles of MULTIPLE service providers. capable of storing, automatically selecting the relevant profile based on the signal received from the terminal device, and processing a physical smart card system. Claim 2: According to Claim 1, each service profile is stored independently within Secure Element and A system containing encrypted data. Claim 3: According to Claim 1, a new service profile (e.g., gym, parking, etc.) is remotely assigned to the user. The system allows you to load data onto your card via QR code, NFC, or a mobile application. Claim 4: According to Claim 1, by detecting the type of device the card is processed by (e.g., POS terminal, traffic turnstile, etc.) (school reader) system that automatically activates the appropriate profile. Claim 5 (related to Claim 1): According to Claim 1, the profiles stored on the card are solely for identification and transaction purposes. used for triggering purposes; balance, payment amount or personal data of the service the card is stored on the provider's own servers, so the card only serves as an identity carrier. the structure he undertook. Claim 6 (related to Claim 1): According to Claim 1, each profile contained within the card can be independently deleted, updated, and a management system that allows the user to manage it via a mobile application A system that can work integrated with the interface. Claim 7 (related to Claim 1): According to Request 1, profile selection and access control on the card must be fully automated. it happens and does not require any manual selection by the user A system that includes control software that optimizes processing time. 6