NFC Interaction Application Credential Routing via AID Prioritization
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Users face delays and additional actions when using digital wallets at NFC-enabled terminals, such as ATMs, due to the need to switch between default and specific user credentials, leading to potential abandonment of transactions.
Innovation Solution
Implementing a system where user-designated credentials are automatically applied to specific NFC interactions without requiring additional taps or software modifications, by assigning an Application Identifier (AID) to the designated credentials and prioritizing their use in the NFC interaction application.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If default user credentials are used for all NFC interactions, then the system is simple to operate, but the wrong credentials may be applied causing transaction errors or delays
Solution Approach 1:
The system performs preliminary actions by automatically selecting and applying the appropriate user credentials before the NFC interaction begins. The NFC interaction application proactively determines which credentials to use based on the interaction terminal type, eliminating the need for manual credential selection and ensuring the correct credentials are applied from the start.
2Reliability
If manual credential switching is required for different interaction terminals, then the correct credentials can be applied, but the user experience deteriorates due to additional taps and delays
Solution Approach 1:
The system implements self-service by enabling the NFC interaction application to automatically manage credential selection without requiring user intervention. The application autonomously identifies the interaction terminal type and applies the appropriate credentials, freeing the user from manual credential switching and additional taps.
3Productivity
If additional software modifications are made at the NFC-enabled interaction terminal, then credential routing can be improved, but the device complexity and implementation cost increase
Solution Approach 1:
The patent introduces an intermediary solution by implementing the intelligence in the mobile device's NFC interaction application rather than modifying the interaction terminal software. This intermediary layer handles credential routing logic, allowing the terminal to remain simple while achieving improved transaction efficiency through the mobile device's application.
4Reliability
If users are required to perform additional actions to change credentials, then the correct credentials can be applied, but the interaction time increases and users may abandon the transaction
Solution Approach 1:
The system performs preliminary credential selection and application before the NFC interaction begins, ensuring the correct credentials are ready and applied immediately. This eliminates any time loss associated with manual credential switching during the transaction process.
Solution Approach 2:
The NFC interaction application autonomously manages credential selection without requiring user actions, eliminating delays caused by manual intervention and preventing transaction abandonment due to excessive interaction requirements.
Data Source
AI summary
The invention provides for optimizing Near Field Communications (NFC) at a NFC-enabled interaction terminal configured for conducting user interactions. The invention provides for a user to designate which user credentials are applied to which type of NFC-enabled interaction terminals. A NFC-enabled interaction terminal-specific Application Identifier (AID) is assigned to the user credentials, and, in use, the AID list that is communicated, via NFC, by a mobile communication device to the NFC-enabled interaction terminal includes the NFC-enabled interaction terminal-specific AID, which implements an AID selection order that prioritizes use of the AID. In response, the application executing on the mobile communication device processes commands from the NFC-enabled interaction terminal using the pre-designated user credentials.