NFC Dual Storage System for Secure Payment Data Handling

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Solution Overview

Problem

Near field communication (NFC) systems face the challenge of data eavesdropping, where personal and financial data stored on NFC chips can be intercepted by unauthorized readers, and there is a need to protect card numbers from exposure during transactions.

Innovation Solution

Implementing a dual storage system in NFC devices, where sensitive data is stored on a first non-accessible storage device and temporarily transferred to a second accessible storage device only when interacting with a legitimate reader, ensuring data is removed post-transaction to prevent eavesdropping, and using a payment processing platform to manage financial transactions through linked core accounts with control parameters.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Ease of operation

If data is stored in a single accessible storage device for NFC transactions, then ease of operation is improved, but security against eavesdropping deteriorates

Engineering Contradiction:

Improvedata accessibilityVSAvoideavesdropping risk

Core Design Contradiction:

Ease of operationVSObject-affected harmful factors

Solution Approach 1:

The storage system is divided into two separate storage devices: a first storage device that is inaccessible to the NFC reader and a second storage device that is accessible. This segmentation allows the system to maintain both security and operational ease by storing sensitive data in the first device and transaction data in the second device.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The first storage device acts as an intermediary that protects sensitive data from direct access by the NFC reader. Data is transferred from the first storage device to the second storage device through a controlled interface, allowing secure data to be made temporarily accessible for transactions without exposing the protected storage.

Inventive Principle:

Principle #24Intermediary (Mediator)

2Productivity

If data is continuously stored in accessible storage for quick transmission, then productivity is improved, but loss of information increases due to eavesdropping

Engineering Contradiction:

Improvetransaction speedVSAvoiddata exposure

Core Design Contradiction:

ProductivityVSLoss of information

Solution Approach 1:

The system uses periodic action by transferring data from the first storage device to the second storage device only when needed for transactions. The second storage device is updated periodically or on-demand rather than continuously storing sensitive data, reducing exposure time and eavesdropping risk while maintaining transaction speed.

Inventive Principle:

Principle #19Periodic action

Solution Approach 2:

After data is transmitted from the second storage device during a transaction, the system discards or clears the data from the second storage device. This allows the system to maintain high productivity by quickly loading data when needed while minimizing information loss by removing data after use.

Inventive Principle:

Principle #34Discarding and recovering

3Ease of operation

If real card numbers are stored and transmitted during transactions, then ease of operation is improved, but object-generated harmful factors increase due to card number theft

Engineering Contradiction:

Improvepayment convenienceVSAvoidcard number exposure

Core Design Contradiction:

Ease of operationVSObject-generated harmful factors

Solution Approach 1:

Instead of storing and transmitting real card numbers, the system uses virtual card numbers or tokenized copies. The first storage device stores the real card numbers securely, while the second storage device contains virtual representations that can be transmitted during transactions. This copying approach maintains payment convenience while eliminating the harm of exposing real card numbers.

Inventive Principle:

Principle #26Copying

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

This approach effectively secures financial and personal data from unauthorized access during NFC transactions, ensuring data privacy and secure payment processing without exposing real card numbers, while allowing for flexible and controlled use of financial products linked to core accounts.

Implementation Method 1

activating the NFC tag in response to an electromagnetic signal from the reader device

Methodology Applied

Scientific EffectElectromagnetic energy induction: Electromagnetic Induction

Data Source

PatentUS11481764B2Apparatus and methods for payment transactions using near field communication

Publication Date: 2022.10.25 VERIENT

AI summary

In various embodiments, the mobile device includes an NFC tag for near-field communication. The NFC tag includes a first storage device and a second storage device. Personal data is stored on the first storage device, which is not accessible by an NFC reader device. Prior to a transaction, a controller detects electromagnetic energy from a reader devices and transmits the personal data from the first storage device to the second storage device, where the personal data is readable or accessible by the reader device.