Mobile Payment Credential Transfer for Contactless Authorization
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Solution Overview
Problem
Current mobile payment systems require physical payment cards to authorize transactions, which can be inconvenient and limit the functionality of mobile devices as authorization terminals.
Innovation Solution
Mobile devices can communicate with contactless payment cards and other devices to receive and verify security credentials, allowing for the authorization of transactions without the need for physical card re-presentation, using technologies like RFID, light pulses, and touch simulation to establish contactless communication channels.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If physical payment cards are required to authorize transactions, then security credentials can be verified, but convenience and functionality are reduced
Solution Approach 1:
The patent creates virtual copies of payment card security credentials by generating cryptographic key pairs and storing them in the mobile device's secure element. This allows the mobile device to function as a standalone authorization terminal without requiring physical card presence, resolving the contradiction between convenience and functionality.
Solution Approach 2:
The patent replaces the mechanical/physical card insertion system with an electronic/cryptographic authentication system. Instead of physically presenting a card, the mobile device uses stored cryptographic credentials and communication protocols to authorize transactions, enabling greater versatility while maintaining security.
2Speed
If contactless communication channels are used, then transaction speed increases, but security verification complexity increases
Solution Approach 1:
The patent performs security credential verification in advance by establishing cryptographic key pairs and storing authentication credentials in the mobile device's secure element before transactions occur. This preliminary setup enables rapid contactless transactions without complex real-time verification, resolving the contradiction between speed and complexity.
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
Enables convenient and secure authorization of transactions using mobile devices, expanding their functionality beyond traditional payment processing to include various functions like car ignition or account management.
Implementation Method 1
a contactless communication channel (e.g., an RFID communication channel)
Implementation Method 2
communicate (e.g., via a contactless communication channel) payment information
Data Source
AI summary
A mobile device may receive security credentials from a contactless device via a contactless communication channel to authorize functions that may be performed by the mobile device. For example, purchase transactions may be authorized to be completed by a mobile device after payment information communicated from a physical payment card to the mobile device is confirmed to match at least a portion of payment information stored within a memory of the mobile device. A mobile device may forward the security credentials to a network entity for remote authorization of a requested function.