NFC Transaction Encryption with Secure Element Key Isolation

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Solution Overview

Problem

Existing electronic devices face challenges in securely exchanging critical data during near-field communication (NFC) transactions, lacking protection for user confidentiality and anonymity.

Innovation Solution

Implementing a mobile terminal with a processor, a near-field communication module, and a secure element distinct from the processor, where the near-field communication module ciphers and deciphers data using keys supplied by the secure element, and an interface software manages authorization for data access.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Adaptability or versatility

If secret data are exchanged between different modules of the same electronic device, then the device can implement multiple functionalities (bank payment, public transport tickets, event tickets, authentication), but the secret data are not protected during exchange

Engineering Contradiction:
ImprovefunctionalitiesVSAvoiddata protection
Core Design Contradiction:
Adaptability or versatilityVSReliability

Solution Approach 1:

The patent divides the electronic device into distinct functional modules: a secure element for storing credentials and assets, an NFC module for communication, and a processor for executing applications. This segmentation isolates secret data in the secure element, preventing unauthorized access while enabling multiple functionalities through controlled data exchange between modules.

Inventive Principle:
Principle #1Segmentation

Solution Approach 2:

The patent introduces an intermediary authentication mechanism where the secure element acts as a mediator between the NFC module and external systems. The secure element verifies credentials and manages key exchange, ensuring that secret data remain protected while enabling secure transactions across different functionalities.

Inventive Principle:
Principle #24Intermediary (Mediator)

2Reliability

If a secure element distinct from the processor is implemented, then critical data can be protected, but the device complexity increases

Engineering Contradiction:
Improvedata protectionVSAvoiddevice complexity
Core Design Contradiction:
ReliabilityVSDevice complexity

Solution Approach 1:

The patent combines the secure element, NFC module, and processor into an integrated architecture where components work together through standardized interfaces. This merging approach maintains data protection while reducing overall device complexity compared to fully separate implementations, as the secure element is embedded within the existing device structure rather than being a completely external addition.

Inventive Principle:
Principle #5Merging (Combining)

Data Source

PatentUS12373826B2NFC transaction
Publication Date: 2025.07.29 STMICROELECTRONICS BELGIUM
  • US12373826B2 patent drawing
  • US12373826B2 patent drawing
  • US12373826B2 patent drawing

AI summary

The present description concerns a method of implementation of an NFC transaction between a mobile terminal and a distant module. The terminal includes a processor hosting an application establishing the NFC transaction, a near-field communication module, and a secure element distinct from the processor. The method includes at least the following successive steps: (a) the near-field communication module ciphers first data sent by the distant module by using a first key supplied by the secure element and (b) the first application deciphers the first data by using a second key supplied by the secure elements.