Automatic NFC Token Provisioning for Remote Transaction Testing
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Solution Overview
Problem
Conventional NFC HCE payment processing is manual, hardware-intensive, and requires physical tapping of devices, limiting the ability to provision multiple tokens and perform remote testing of token-based payments.
Innovation Solution
A method and system for automatic and remote control of NFC transaction processing, where devices within a NFC range can request, transmit, and process tokens wirelessly, enabling remote access and compatibility determination of applications with the transaction processing network.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Extent of automation
If manual physical tapping of devices is used for NFC HCE payment processing, then hardware dependency is high and device provisioning is limited, but automation and remote access capability is poor
Solution Approach 1:
The patent replaces the manual mechanical action of physically tapping devices together with automated electronic communication protocols. The system automatically provisions tokens to multiple devices and processes transactions through electronic signaling, eliminating the need for manual physical interaction between devices while reducing hardware dependency.
Solution Approach 2:
The system enables self-service by allowing devices to automatically receive and process tokens without manual intervention. The automated token provisioning system enables devices to independently obtain and use payment tokens, and the transaction processing occurs automatically through electronic communication between the payment terminal and devices.
2Productivity
If physical tapping of devices is required for each payment transaction, then processing speed is limited by manual operation, but remote testing capability is achieved
Solution Approach 1:
The system performs preliminary actions by automatically provisioning tokens to multiple devices in advance before actual transactions are needed. This pre-provisioning eliminates the time required for manual token delivery and device pairing during transaction processing, significantly increasing processing speed.
Solution Approach 2:
The automated system enables continuous transaction processing without interruption for manual device tapping. Multiple devices can be provisioned with tokens simultaneously, and transactions can proceed continuously through automated electronic communication, eliminating the sequential time loss associated with manual operations.
3Adaptability or versatility
If extensive hardware is configured for lab testing of NFC transactions, then testing accuracy is high, but accessibility for remote users is poor
Solution Approach 1:
The patent introduces an automated token provisioning system as an intermediary that bridges the gap between remote users and the payment processing network. This intermediary system handles token distribution and transaction coordination electronically, enabling remote users to access and test NFC transactions without requiring extensive local hardware configurations.
Solution Approach 2:
The system creates virtual copies of the payment processing environment that can be accessed remotely. By provisioning digital tokens to remote devices and enabling electronic transaction processing, the system replicates the functionality of physical lab testing setups, allowing remote users to test NFC transactions with the same accuracy as in-person testing without requiring extensive hardware.
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 solution reduces hardware dependency, allows for automatic end-to-end transaction processing, and facilitates remote testing of NFC transactions, increasing processing speed and accessibility for remote users.
Implementation Method 1
Near-field communication (NFC) is a set of communication protocols that enable two electronic devices, at least one of which is typically a portable device (e.g., a smartphone, etc.), to establish communication by bringing the two electronic devices within a NFC range of each other (e.g., within 4 cm (1.6 in) of each other)
Data Source
AI summary
A method, system, and computer program product for automatic and remote control of NFC transaction processing. The method includes receiving transaction data associated with a transaction, automatically requesting a token associated with the transaction from a transaction processing network in response to receiving the transaction data, receiving the token from the transaction processing network, automatically and wirelessly transmitting the token from a first device to a second device via NFC in response to receiving the token from the transaction processing network, automatically transmitting the token to the transaction processing network in response to receiving the token from the first device, receiving an authorization response associated with the transaction from the transaction processing network, and determining a compatibility of an application associated with at least one of the first device and the second device with the transaction processing network based on the authorization response.