NFC Token Micro Control Unit Dynamic Password Generation
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Solution Overview
Problem
Existing NFC token solutions face compatibility issues and are not user-friendly due to the need for extensive manual intervention, making them inconvenient for mobile banking applications.
Innovation Solution
A working method for an NFC token that involves a micro control unit (MCU) initializing and resetting an NFC chip, sending instructions, and generating a dynamic password, while simplifying the user interaction through key interrupt pin management and timeout settings to enhance compatibility and convenience.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If challenge-response token is used in mobile bank, then security is improved, but ease of operation deteriorates due to requiring more artificial intervention
Solution Approach 1:
The NFC token automatically performs challenge-response authentication without requiring manual user intervention. The micro control unit autonomously generates dynamic passwords and communicates with the bank server, allowing the device to serve itself in the authentication process while maintaining high security standards.
Solution Approach 2:
The patent replaces manual mechanical operations (such as physically inserting tokens or pressing multiple buttons) with automated electronic NFC communication. The micro control unit handles all authentication sequences electronically through near-field communication, eliminating the need for manual intervention while preserving security.
2Ease of operation
If earphone key is used in mobile bank, then ease of operation is improved, but adaptability deteriorates due to bad compatibility
Solution Approach 1:
The NFC token is designed with universal compatibility across multiple mobile platforms (iOS, Android, and other operating systems). The micro control unit can adapt to different communication protocols and authentication standards, allowing the same device to function seamlessly across various devices and banking applications, thereby achieving multi-functionality and broad adaptability.
3Reliability
If manual intervention is required for NFC token operation, then security is improved, but productivity deteriorates due to simplified operating procedure
Solution Approach 1:
The NFC token performs preliminary authentication actions automatically before user transactions. The micro control unit pre-generates security credentials, establishes secure communication channels, and prepares authentication sequences in advance, allowing users to simply initiate transactions without manual security interventions, thereby improving productivity while maintaining security.
Data Source
AI summary
A working method of an NFC token. The method comprises: a micro control unit in a token performing system initialization; resetting a near field communication chip in the token and sending a near field communication chip setting instruction to the near field communication chip; waiting to receive a near field communication chip setting instruction return value; upon receiving the near field communication chip setting instruction return value, sending a first preset instruction to the near field communication chip; waiting to receive a first preset instruction return value; and upon receiving the first preset instruction return value, sending a second preset instruction comprising a dynamic password to the near field communication chip. The present invention has the beneficial effects that: the token is well compatible with a mobile platform, and is convenient to use, thereby simplifying the operation procedure of a user.