Mobile Terminal Security Element Authentication Module
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Solution Overview
Problem
Users face complexity and security risks when managing multiple PIN codes for virtualized bank cards associated with different payment networks, leading to potential module blocking and cryptographic data generation issues.
Innovation Solution
A method utilizing a security element with an authentication module on a mobile terminal to manage and activate transaction modules, eliminating the need for multiple PINs by using a unique authentication code, which is stored and activatable upon presentation, thereby maintaining security and preventing module blocking.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If multiple PIN codes are used for different transaction modules, then security is maintained for each module, but device complexity and ease of operation deteriorate due to managing multiple codes
Solution Approach 1:
The patent merges multiple PIN code verification functions into a single authentication code system. The security element now handles authentication for all transaction modules using one unified code, eliminating the need for users to manage separate PINs for each card or network while maintaining security through centralized verification.
Solution Approach 2:
The authentication code becomes a universal credential that works across multiple transaction modules and payment networks. Instead of requiring different PINs for Visa, MasterCard, or other networks, a single authentication code provides access to all authorized transaction modules, making the system more versatile and easier to use.
2Reliability
If multiple PIN codes are stored in the security element, then each transaction module can be secured, but ease of operation worsens due to the need to remember and enter multiple codes
Solution Approach 1:
Multiple PIN code verification functions are merged into a single authentication code system. The security element stores and verifies one unified authentication code that replaces multiple individual PINs, significantly improving user convenience while maintaining security through centralized authentication management.
3Ease of operation
If a single authentication code is used for all transaction modules, then ease of operation improves, but reliability may worsen due to potential blocking of entire card if code is entered incorrectly
Solution Approach 1:
The patent segments the authentication system so that the authentication code verification is separated from the transaction module activation. The security element verifies the authentication code independently and then selectively activates only the requested transaction module without blocking the entire card, even if verification fails for a specific module request.
Solution Approach 2:
The security element acts as an intermediary between the authentication code and the transaction modules. It verifies the authentication code and then selectively authorizes access to specific modules without exposing the entire card system to blocking risks, thereby protecting card availability while maintaining simplified operation.
4Adaptability or versatility
If multiple PIN codes are managed manually, then adaptability to different payment networks is maintained, but ease of operation deteriorates due to complexity in changing and remembering codes
Solution Approach 1:
The authentication code serves as a universal credential that works across multiple payment networks and transaction modules. The system maintains adaptability to different networks (Visa, MasterCard, etc.) while eliminating the need for users to manage separate PINs, as the single authentication code provides access to all authorized modules regardless of the payment network being used.
Data Source
AI summary
A method for implementing a transaction from a mobile terminal, which includes a data-processing module and a security element on which a plurality of transaction modules are stored. Each transaction module is associated with an electronic card and suitable for authorizing a transaction on behalf of the electronic card when activated upon presentation of an associated confidential code. The method includes the security element: (a) receiving a transaction request targeting one transaction module of the plurality of transaction modules; (b) receiving, by an authentication module also stored on the security element, a unique valid authentication code obtained via an interface of the terminal, the authentication module storing the confidential codes associated with each of the transaction modules, and being itself capable of being activated upon presenting the authentication code; (c) activating the targeted transaction module by the authentication module, and transmitting a transaction authorization in response to the transaction request.