Browser-Based NFC Payment Program with Automatic Data Deletion

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Solution Overview

Problem

Existing digital payment systems using digital wallets face security issues due to the storage of credit card information, necessitating a secure and temporary solution for transactions without a permanent digital wallet application.

Innovation Solution

A system and method utilizing a web browser to perform payments through a mobile device, where a URL linked to a website with an embedded payment program is activated, transferring payment card data via NFC to a payment terminal and deleting the program and data after the transaction, ensuring temporary storage and enhanced security.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If a permanent digital wallet application is used to store credit card information, then payment convenience is improved, but security risk increases

Engineering Contradiction:

Improvepayment convenienceVSAvoidsecurity risk

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The patent implements a temporary digital wallet that is automatically deleted after a single use or after a predetermined time period. This disposable approach eliminates the need for permanent storage of sensitive payment information on the user's device, thereby reducing security risks while maintaining payment convenience during the active period

Inventive Principle:

Principle #27Cheap short-living objects (Disposable)

Solution Approach 2:

The patent extracts the digital wallet functionality from a permanent application and implements it as a temporary, self-destructing component. The wallet information is generated, used for payment, and then automatically removed from the device, separating the payment function from persistent data storage

Inventive Principle:

Principle #2Taking out (Extraction)

2Adaptability or versatility

If credit card information is stored in a digital wallet, then payment functionality is improved, but vulnerability to hacking increases

Engineering Contradiction:

Improvepayment functionalityVSAvoidvulnerability to hacking

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The patent makes the digital wallet dynamic by implementing automatic deletion after use or time expiration. The wallet transitions from a static, permanent storage solution to a dynamic, transient one that adapts its lifespan based on payment completion or predetermined time limits, reducing hacking vulnerability

Inventive Principle:

Principle #15Dynamics

Solution Approach 2:

The patent changes the temporal parameter of wallet existence from permanent to temporary. By controlling the lifespan of the digital wallet through automatic deletion mechanisms, the system maintains payment functionality while altering the security parameter by reducing the window of vulnerability to hacking

Inventive Principle:

Principle #35Parameter changes

3Object-affected harmful factors

If a temporary payment solution is implemented without permanent wallet storage, then security is improved, but payment convenience may be reduced

Engineering Contradiction:

ImprovesecurityVSAvoidpayment convenience

Core Design Contradiction:

Object-affected harmful factorsVSEase of operation

Solution Approach 1:

The patent implements self-service by automatically generating, deploying, and deleting the digital wallet without requiring user intervention. The temporary wallet is created on-demand, performs its function, and self-destructs automatically, maintaining security while preserving convenience through automation

Inventive Principle:

Principle #25Self-service

Solution Approach 2:

The patent performs preliminary actions by pre-configuring automatic deletion mechanisms and predetermined time limits before the wallet is used. This ensures that security measures are in place from the outset while maintaining operational convenience through automated processes

Inventive Principle:

Principle #10Preliminary action

Applied Scientific Principles

This section explains which scientific principles are used to turn an abstract innovation direction into a practical engineering solution.

Function Achieved in This Case

This approach enhances security by eliminating long-term storage of payment card data on devices, providing a secure and easy way to make payments using a temporary digital wallet, reducing the risk of hacking and data theft.

Implementation Method 1

transfer the payment card data and the predetermined amount of payment through a near field communication (NFC) radio of the mobile device to a payment terminal

Methodology Applied

Scientific EffectNear Field Communication (NFC): Electromagnetic Induction

Data Source

PatentUS12406247B2System, device and method for digital payment

Publication Date: 2025.09.02 NAYAX LTD

AI summary

A system, apparatus, and method for performing payments using a web browser. The payment is made by activating a uniform resource locater (URL), which is linked to a website at a server, wherein the website comprises an embedded payment program that is loaded with a predetermined amount of payment and installs the embedded payment program in the mobile device. The payment program is configured to transfer the payment data through a near-field communication (NFC) radio to a payment terminal. The payment program is deleted after performing the payment.