Dynamic Card Applet Activation for Secure NFC Transactions
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Solution Overview
Problem
Existing short-range wireless communication systems, such as those using RFID, BLUETOOTH, and NFC, require users to manually select and activate card applets for transactions, limiting convenience and efficiency, especially when multiple cards are stored in an electronic wallet.
Innovation Solution
A computing device selectively activates card applets based on user-defined rules and device states, allowing for automatic or manual activation of 'fast' and 'slow' cards, respectively, to facilitate point-of-sale transactions without explicit user input.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Productivity
If all card applets remain activated at all times, then transaction availability is improved, but security risk and device complexity increase
Solution Approach 1:
The system dynamically adjusts card applet activation states based on device state and user-defined rules. Cards transition between activated and deactivated states automatically, allowing the system to maintain high transaction availability when needed while reducing security risks and complexity when cards are not in use. This is achieved through the card emulation state machine that responds to device state changes.
Solution Approach 2:
The system provides self-service card management through user-defined rules that automatically control card activation without requiring manual user intervention for each transaction. The device itself manages the activation/deactivation of card applets based on predefined conditions, eliminating the need for users to manually select and activate cards while maintaining security and availability.
2Reliability
If manual card selection is required, then security is improved, but transaction speed and user convenience deteriorate
Solution Approach 1:
The system performs preliminary actions by pre-configuring user-defined rules that determine which cards should be activated under specific device states. Before a transaction is needed, the appropriate card applets are already activated based on these pre-established rules, eliminating the need for manual selection during the transaction while maintaining security through user-defined criteria.
Solution Approach 2:
The system uses feedback from device state monitoring to automatically adjust card activation status. The device continuously monitors its own state and uses this feedback to determine which cards should be activated, creating a closed-loop system that balances security and convenience without requiring manual user input during transactions.
3Extent of automation
If reader chooses among activated cards, then automation is improved, but loss of user control and security worsens
Solution Approach 1:
The system performs preliminary action by having users define activation rules in advance. These pre-configured rules establish user control over which cards can be activated under specific conditions, while the actual card selection during transactions is automated based on these user-defined parameters. This approach maintains both automation and user control.
Solution Approach 2:
The system changes the parameter of card activation status based on device state and user-defined rules. Instead of allowing the reader to choose among all activated cards or requiring manual selection, the system dynamically adjusts which cards are activated based on predefined parameters, thereby automating the selection process while maintaining user control through the rule-based approach.
Data Source
AI summary
Card applets associated with an electronic wallet are activated and deactivated based on user-defined rules. Based on the rules and a device state, a card emulation state and card applet states are modified to enable or disable completion of transactions. The transactions are between a computing device and a reader such as a point-of-sale terminal. In some embodiments, a user designates a plurality of the card applets as fast cards capable of completing a transaction via near-field communication (NFC) interaction without user input at a time of the transaction.