NFC Payment Token Activation and Security

Resolve Bottlenecks,
Find Innovative SolutionsGenerate Solutions

Solution Overview

Problem

Existing data processing technologies for NFC payment systems face challenges in efficiently managing and securing payment card account activations, particularly in ensuring accurate and secure updates of payment tokens without deleting existing data, which can lead to errors and security risks.

Innovation Solution

A data processing method and apparatus that receive and update payment tokens in personalized data on electronic devices, ensuring the transaction card type matches the activation instruction, and securely manage token states to prevent unauthorized transactions.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If existing data processing technologies are used to manage NFC payment card activations, then the system can process payment tokens, but security risks and errors increase due to improper deletion of existing data

Engineering Contradiction:

ImprovesecurityVSAvoiddata management complexity

Core Design Contradiction:

ReliabilityVSDevice complexity

Solution Approach 1:

The patent segments the data management process into distinct operations: receiving activation data, identifying the payment card account, selectively updating payment tokens, and preserving existing personalization data. This segmentation allows each step to be controlled independently, reducing errors and security risks associated with bulk data operations.

Inventive Principle:

Principle #1Segmentation

Solution Approach 2:

The system performs preliminary verification of the payment card account number and payment token before executing updates. By validating data integrity and matching criteria in advance, the system prevents improper deletions and ensures only authorized tokens are updated, thereby improving security without adding significant complexity.

Inventive Principle:

Principle #10Preliminary action

2Productivity

If payment tokens are updated without verifying transaction card type matching, then activation speed increases, but error rates increase leading to failed activations

Engineering Contradiction:

Improveactivation speedVSAvoidactivation accuracy

Core Design Contradiction:

ProductivityVSManufacturing precision

Solution Approach 1:

The patent implements a feedback mechanism where the system continuously verifies whether the personalization data's transaction card type matches the payment card account number being activated. This real-time verification provides feedback that prevents mismatched updates, ensuring high activation accuracy while maintaining efficient processing through automated validation logic.

Inventive Principle:

Principle #23Feedback

3Adaptability or versatility

If existing payment tokens are deleted during activation, then new tokens can be installed, but security risks increase and unauthorized transactions may occur

Engineering Contradiction:

Improvetoken update capabilityVSAvoidunauthorized transactions

Core Design Contradiction:

Adaptability or versatilityVSObject-affected harmful factors

Solution Approach 1:

The patent applies preliminary anti-action by implementing protective logic that prevents deletion of existing payment tokens and personalization data. The system actively counteracts potential security threats by verifying authorization credentials and ensuring that token updates only occur under validated conditions, thereby blocking unauthorized transactions before they can occur.

Inventive Principle:

Principle #9Preliminary anti-action

Solution Approach 2:

The system introduces an intermediary validation layer that mediates between the activation request and the actual token update operation. This intermediary verifies the matching criteria between payment card account numbers and personalization data, acting as a security gatekeeper that allows legitimate updates while blocking unauthorized operations.

Inventive Principle:

Principle #24Intermediary (Mediator)

4Reliability

If manual verification processes are used for payment card activations, then security improves, but processing time increases significantly

Engineering Contradiction:

Improveactivation securityVSAvoidprocessing time

Core Design Contradiction:

ReliabilityVSLoss of time

Solution Approach 1:

The patent implements self-service automation where the system autonomously performs verification of payment card account numbers, matches personalization data, and executes token updates without manual intervention. The automated processes include self-validation of transaction card types, self-verification of authorization credentials, and self-execution of secure token replacement, thereby maintaining high security while eliminating time-consuming manual steps.

Inventive Principle:

Principle #25Self-service

Data Source

PatentUS20230058201A1Data processing method, apparatus, device and computer-readable storage medium

Publication Date: 2023.02.23 CHINA UNIONPAY

AI summary

The application discloses a data processing method, apparatus, device and medium. The data processing method includes: receiving target activation data and a target activation instruction sent by a target server, wherein the target activation data includes a payment token to be activated corresponding to a payment card account number which needs to be activated; updating, in response to the target activation instruction, a target payment token in target personalized data to be the payment token to be activated, wherein a transaction card type indicated by the target personalized data is same as a transaction card type indicated by the target activation instruction; and setting the updated target payment token to be in an activated state.