NFC Tokenized URL Sharing for Secure Contactless Card Data Transfer
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Solution Overview
Problem
Card-based transactions are susceptible to security risks and limited in data exchange, leading to reduced security, efficiency, and user experience due to manual information sharing.
Innovation Solution
A system and method using a contactless card to generate a tokenized URL via NFC for secure data transfer, allowing users to control information sharing with customizable permissions and reducing the risk of unauthorized access.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If manual information sharing is used in card-based transactions, then users can provide additional information, but security is reduced and control over information access is minimal
Solution Approach 1:
The patent introduces an NFC-based intermediary system that mediates between the user and the information exchange process. Instead of direct manual sharing, the system uses NFC tokens and URLs as intermediaries to securely transmit information, maintaining user control while enabling automated data exchange.
Solution Approach 2:
The system changes the parameters of information sharing by transforming manual text/oral communication into structured digital data exchange via NFC. Information is encoded in specific formats (JSON, XML) with defined schemas, changing from unstructured manual input to structured automated transmission with embedded security parameters.
2Adaptability or versatility
If manual information sharing is used, then users can communicate additional information, but efficiency is decreased and user experience is adversely impacted
Solution Approach 1:
The patent replaces the mechanical manual process (typing, speaking, handwriting) with an automated NFC-based system. The physical act of manual information entry is substituted by proximity-based wireless communication, where information is automatically transmitted when devices are brought close together, eliminating manual input steps.
Solution Approach 2:
The system performs preliminary actions by pre-configuring information schemas, validation rules, and security parameters before the actual transaction. Data models and validation logic are established in advance, so during the NFC transaction, information is automatically formatted and validated without requiring real-time manual processing.
3Productivity
If card-based transactions are used, then transactions can be performed, but data exchange is limited to restricted amounts of information
Solution Approach 1:
The patent adds another dimension to card-based transactions by layering NFC communication capabilities on top of traditional card processing. Instead of being limited to the single-dimensional magnetic stripe or chip interface, the system utilizes the spatial and communicative dimensions of NFC to enable multi-parameter data exchange including URLs, JSON objects, and structured information schemas.
4Adaptability or versatility
If manual information provision is required, then additional information can be shared, but the process requires more user involvement and time
Solution Approach 1:
The system implements self-service by enabling automatic information retrieval and transmission based on pre-configured schemas. When a NFC transaction occurs, the system automatically determines what information to share based on the transaction context, validates the data against predefined schemas, and transmits it without requiring user intervention beyond initiating the NFC connection.
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
Enhances security and efficiency by enabling secure, automated data sharing with customizable permissions, improving the user experience in transactions.
Implementation Method 1
after the contactless card transmits data to a computing device via near field communication (NFC)
Data Source
Figure 1
Figure 2A
Figure 2B
AI summary
An authenticated data sharing system may include a contactless card comprising a processor and a memory including one or more applets and an application comprising instructions for execution on a device. The application is configured to determine a capability associated with the contactless card after a first entry into a communication field. The application is configured to request additional information based on the determination. The one or more applets are configured to transmit, to the application, a generated tokenized link after a second entry into the communication field based on the requested additional information. The application is configured to transmit the link to obtain the requested additional information.