NFC Transaction Server Mediator for TSM Compatibility
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Solution Overview
Problem
The implementation of the Trusted Service Manager (TSM) in NFC payment systems requires significant compatibility work among multiple operators and service providers, leading to inefficiencies and increased complexity.
Innovation Solution
A method and system that facilitate NFC transactions by using a server to receive requests from user terminals, obtain payment card numbers from data storage, and initiate transactions with a transaction management system, while ensuring security through encryption and second-level verification, and including a timer to manage transaction responses.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If Trusted Service Manager (TSM) is implemented to manage NFC transactions between multiple operators and service providers, then transaction security and management capability are improved, but compatibility work and system complexity increase significantly
Solution Approach 1:
The patent introduces an intermediary server that acts as a mediator between the NFC reader and the transaction management system. This server receives transaction requests from the NFC reader, retrieves payment card numbers from data storage, and forwards processed requests to the transaction management system. By placing this intermediary layer, the system reduces compatibility work between multiple operators and service providers, as the server handles the complex interactions and data transformations, thereby maintaining transaction security while reducing overall system complexity.
2Adaptability or versatility
If TSM combines multiple different operators within the NFC area to provide comprehensive services, then service coverage and functionality are improved, but compatibility work between operators and service providers increases
Solution Approach 1:
The patent implements a universal server that can handle transactions from multiple different operators and service providers through a single interface. The server is designed to retrieve payment card numbers from data storage for various operators and process transactions through a standardized method. This multi-functional approach allows the system to support diverse operators and service providers without requiring separate compatibility implementations for each, thereby improving service coverage while reducing the overall compatibility work required.
3Reliability
If manual compatibility configuration is performed between each operator and service provider in the NFC system, then system security and control are improved, but transaction processing time and operational efficiency decrease
Solution Approach 1:
The patent implements preliminary action by pre-storing payment card numbers in data storage associated with specific identifiers before actual transactions occur. When a transaction request is received, the server quickly retrieves the pre-stored payment card number using the identifier from the request, rather than performing manual configuration or complex lookups during the transaction. This preliminary preparation of data significantly speeds up transaction processing while maintaining system control through the structured data storage and retrieval mechanism.
4Adaptability or versatility
If extensive compatibility work is performed at both operator and TSM ends to enable NFC transactions, then system interoperability is improved, but implementation time and resource consumption increase
Solution Approach 1:
The patent extracts the complex compatibility work from both operator and TSM ends and consolidates it into a single intermediary server. The server handles all the complex interactions, data transformations, and protocol conversions in one centralized location, rather than requiring each operator and service provider to perform extensive compatibility configuration. This extraction of complexity to a single point reduces the overall implementation time and resource consumption while maintaining full system interoperability.
Data Source
AI summary
A method for performing a transaction initiated with near field communication, NFC, interaction between a user terminal including a subscriber identity module residing in the user terminal and a NFC reader. In the method a request including an amount of the transaction and an identifier obtained from a secure element of the subscriber identity module residing in the user terminal is delivered and a payment card number corresponding to the identifier is obtained. Finally, a transaction request is initiated towards a transaction management system and in response to a successful acknowledgment from the transaction management system an acknowledgement on successful transaction is delivered, and in response to an unsuccessful acknowledgement from the transaction management system the transaction request, canceling the transaction.