Contactless Application Configuration on Smart Cards

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Solution Overview

Problem

Existing dual application cards require users to alternate between contact and contactless interactions, as they typically have separate applications for each mode, leading to inefficiencies and increased costs in configuration and scaling.

Innovation Solution

A method for dynamically configuring a contactless application on a portable device through a contact interaction, allowing the chip to receive and execute computer instructions for creating and initializing the application, which can then communicate contactlessly with other devices.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If separate applications are used for contact and contactless transactions, then each application can be optimized for its specific mode, but users must alternate between contact and contactless interactions and configuration costs increase

Engineering Contradiction:
Improveuser convenienceVSAvoidapplication configuration
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The patent combines contact and contactless transaction capabilities into a single dual application, allowing both interaction modes to be processed by the same application rather than requiring separate applications. This merging eliminates the need for users to alternate between different applications and reduces configuration complexity while maintaining optimized handling for each transaction mode.

Inventive Principle:
Principle #5Merging (Combining)

2Productivity

If contactless applications are pre-configured on portable devices, then immediate contactless functionality is available, but scaling costs increase and flexibility decreases

Engineering Contradiction:
Improveconfiguration efficiencyVSAvoidscaling flexibility
Core Design Contradiction:
ProductivityVSAdaptability or versatility

Solution Approach 1:

The patent implements preliminary configuration of contactless applications through contact interactions during device initialization or first use. The contact application receives configuration data and sets up the contactless application in advance, so that when contactless functionality is needed, the application is already prepared and can operate immediately without requiring pre-configuring during manufacturing.

Inventive Principle:
Principle #10Preliminary action

3Adaptability or versatility

If multiple applications are stored on a single chip, then device functionality increases, but intra-card communication requirements increase complexity

Engineering Contradiction:
Improvedevice functionalityVSAvoidintra-card communication
Core Design Contradiction:
Adaptability or versatilityVSDevice complexity

Solution Approach 1:

The patent merges contact and contactless transaction processing into a single application instance that can handle both modes. This eliminates the need for complex inter-application communication protocols between separate contact and contactless applications, as both modes are processed within the same application context, reducing intra-card communication complexity while maintaining full functionality.

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS10839372B2Extended data storage
Publication Date: 2020.11.17 VISA EUROPE
  • US10839372B2 patent drawing
  • US10839372B2 patent drawing
  • US10839372B2 patent drawing

AI summary

Methods and apparatuses are provided for configuring and using a contactless application on a chip within a portable device comprising input/output connections arranged to communicate with other devices via a contact connection and via a contactless connection. One such method comprises a first process and a second process. The first process comprises receiving, at the chip and from a first other device, a set of computer instructions, to be executed by the chip, to create a contactless application in a data store of the chip and initialise at least one file associated with the contactless application. The second process comprises executing, by the chip of the portable device, the contactless application, to transmit data to a second other device.