NFC Security Using Smart Cyber Contracts in Zero-Trust Networks

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Solution Overview

Problem

NFC systems are susceptible to cyber threats such as network eavesdropping and interception attacks, compromising sensitive information during contactless information transfers.

Innovation Solution

Implementing a zero-trust network architecture with an anomaly detection engine and smart cyber contract (SCC) generation engine to validate user devices and event processing requests, using historical user information and event processing rules to generate dynamic SCCs for secure communication.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Speed

If NFC technology is used for contactless information transfers, then convenience and speed of communication are improved, but susceptibility to cyber threats increases

Engineering Contradiction:
Improvecommunication speedVSAvoidcyber threat susceptibility
Core Design Contradiction:
SpeedVSObject-affected harmful factors

Solution Approach 1:

The system performs preliminary actions by training the anomaly detection engine and generating smart cyber contracts before actual NFC transactions occur. Historical user information is processed in advance to establish baseline behavior patterns, and security policies are pre-configured to automatically evaluate and block suspicious transactions before they can compromise sensitive information.

Inventive Principle:
Principle #10Preliminary action

Solution Approach 2:

The patent introduces an intermediary anomaly detection engine that sits between the NFC communication channels and the target systems. This engine acts as a mediator that intercepts, analyzes, and evaluates transaction data using machine learning models, allowing legitimate fast NFC transactions to proceed while blocking malicious ones without affecting the underlying NFC technology's speed.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If anomaly detection engine and smart cyber contracts are implemented, then security against cyber threats is improved, but system complexity increases

Engineering Contradiction:
Improvesecurity reliabilityVSAvoidsystem complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The anomaly detection engine serves multiple functions simultaneously: it trains on historical data to learn patterns, evaluates real-time transactions for anomalies, generates smart cyber contracts with security policies, and updates its models continuously. This multi-functionality consolidates what could be separate complex systems into a single unified platform, reducing overall system complexity while maintaining high security reliability.

Inventive Principle:
Principle #6Universality (Multi-functionality)

Solution Approach 2:

The system implements self-service through automated machine learning processes where the anomaly detection engine continuously trains itself on new data, automatically updates its anomaly detection models, and dynamically generates updated smart cyber contracts without requiring manual intervention. This self-updating capability reduces operational complexity while enhancing security over time.

Inventive Principle:
Principle #25Self-service

3Reliability

If dynamic authentication and validation are performed for each transaction, then security measures are strengthened, but processing time increases

Engineering Contradiction:
Improveauthentication reliabilityVSAvoidtransaction processing time
Core Design Contradiction:
ReliabilityVSLoss of time

Solution Approach 1:

The system applies partial action by performing full anomaly analysis only when necessary rather than on every transaction. The anomaly detection engine uses confidence thresholds to determine when detailed analysis is needed versus when transactions can be processed with standard validation. This selective approach maintains high authentication reliability for suspicious transactions while minimizing processing time delays for legitimate transactions.

Inventive Principle:
Principle #16Partial or excessive action

Solution Approach 2:

The system implements feedback mechanisms where the anomaly detection engine continuously learns from transaction outcomes and updates its models accordingly. Successful transactions provide positive feedback that refines the understanding of normal behavior patterns, while blocked transactions provide negative feedback that improves detection accuracy. This continuous learning reduces false positives over time, decreasing unnecessary processing delays while maintaining security.

Inventive Principle:
Principle #23Feedback

Data Source

PatentUS20260006045A1Providing near-field communication security using smart cyber contract generation for a zero-trust network architecture
Publication Date: 2026.01.01 BANK OF AMERICA CORP
  • US20260006045A1 patent drawing
  • US20260006045A1 patent drawing
  • US20260006045A1 patent drawing

AI summary

Arrangements for providing near-field communication (NFC) security using smart cyber contract generation (SCC) are provided. A platform may train an anomaly detection engine based on historical user information and an SCC generation engine based further on historical event processing rules. The platform may intercept a request via NFC. The platform may generate a suspicion indication for the request using the anomaly detection engine. The platform may generate a smart cyber contract, using the SCC generation engine, based on identifying that the request is suspicious. The platform may determine whether the smart cyber contract is satisfied. Based on determining that the smart cyber contract is not satisfied, the platform may initiate a security action. The platform may update the engines based on updated event processing permissions.