NFC Mobile Payment Sandbox for Secure Remote Data Transmission
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
The challenge of ensuring secure and convenient mobile data transmissions to remote data centers is hindered by the vulnerability of customer information in online transactions and the inefficiencies of manual data entry on mobile devices.
Innovation Solution
A system utilizing Near Field Communication (NFC) for secure data transmission, creating a sandbox for each transaction and employing geolocation verification for non-NFC devices, along with a one-time key for authentication, to ensure secure and efficient data transfer.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Ease of operation
If manual data entry is used for online transactions, then user convenience is reduced and errors increase, but implementing alternative methods may compromise security or compatibility
Solution Approach 1:
The patent introduces NFC technology as an intermediary between the user's resource transmission instrument (e.g., credit card) and the online transaction system. The NFC-enabled device acts as a mediator that automatically captures and transmits data without manual input, while maintaining security through encrypted communication channels and tokenization protocols.
Solution Approach 2:
The patent replaces the mechanical process of manual data entry with automated electronic data capture using NFC technology. The system substitutes human typing actions with wireless electromagnetic field-based data transmission, eliminating manual input errors while maintaining security through cryptographic protocols embedded in the NFC communication framework.
2Productivity
If customer information is stored in data stores with online merchants, then transaction processing is simplified, but security vulnerabilities increase due to potential breaches
Solution Approach 1:
The patent implements tokenization where temporary, single-use tokens are generated for each transaction instead of storing actual customer information. These digital tokens function as disposable identifiers that are invalidated after use, eliminating the security risk of storing sensitive data while maintaining transaction processing efficiency through rapid token verification.
Solution Approach 2:
The patent extracts sensitive customer information from merchant data stores by implementing a distributed architecture where customer data remains with the customer's financial institution. The merchant system only receives and processes tokenized representations, removing the vulnerability point of centralized data storage while maintaining efficient transaction processing through streamlined token validation.
3Reliability
If NFC technology is implemented for secure transactions, then data security is enhanced, but device compatibility is reduced for non-NFC devices
Solution Approach 1:
The patent creates a universal transaction system that supports multiple input methods including NFC, manual entry, and alternative authentication mechanisms. The system architecture is designed to accommodate various device types by providing multiple transaction pathways, where NFC provides enhanced security for compatible devices while alternative methods ensure accessibility for all users.
Solution Approach 2:
The patent implements dynamic transaction routing that adapts to the user's device capabilities. The system automatically detects whether a device supports NFC and dynamically adjusts the transaction flow accordingly, directing NFC-capable devices through the secure NFC pathway while routing other devices through alternative authenticated entry paths, thereby maintaining both security and compatibility.
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 enhances transaction security by preventing exposure of sensitive data and reducing manual input errors, conserving computing resources, and improving transaction efficiency.
Implementation Method 1
Systems, methods, and computer program products are provided for mobile data transmissions to remote data centers using near field communication
Data Source
AI summary
Systems, computer program products, and methods are described herein for mobile data transmissions to remote data centers using near field communication. The present disclosure is configured to include a processing device and a non-transitory storage device containing instructions which, when executed by the processing device, cause the processing device to perform the steps of: initiating a transaction on an NFC-enabled mobile device, prompting a user to choose a transaction method, instructing the user to tap or hold a resource transmission instrument to initiate secure data exchange, creating a secure sandbox environment for the transaction, detecting and capturing payment data within the sandbox, encrypting the payment data, transmitting the encrypted data to a third-party processor, receiving an approval response, notifying the user of the completed transaction, deleting the sandbox environment upon transaction completion, and logging transaction details for record-keeping and compliance.