Mobile Pay Authentication via Smart Card NFC

The patent implements preliminary authentication action by requiring users to authenticate with a smart card before enabling mobile pay functionality. The authentication code is obtained in advance through contactless communication with the smart card, and the system verifies this code before activating the mobile pay feature. This preliminary security check prevents unauthorized activation while maintaining convenient operation for legitimate users.

The patent introduces a smart card as an intermediary authentication device that contains the authentication code. The contactless communication interface acts as a mediator between the mobile device and the smart card, enabling secure authentication without requiring complex integration of authentication servers or hardware security modules within the mobile device itself. This intermediary approach maintains reliability while limiting the increase in device complexity.

The patent replaces traditional mechanical authentication methods (such as physical card insertion or complex multi-step verification) with contactless communication technology. The smart card authentication is performed wirelessly through electromagnetic fields, eliminating the need for physical contact or manual data entry. This substitution maintains high security while preserving ease of operation, as users simply need to bring the smart card near the mobile device for automatic authentication.