Offline Resource Exchange via NFC Token Encryption

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Solution Overview

Problem

Current digital exchange techniques require continuous connectivity to online systems, limiting their usability when devices are offline, and there is a need to break this reliance for secure and authenticated exchanges.

Innovation Solution

A system and method for resource distribution in an offline environment using a trusted certificate root chain to generate public-private key certificates, allowing for secure exchanges through near field communication, where a managing entity system populates a repository with public keys and reference identification codes, enabling offline transactions by generating and verifying exchange tokens.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If digital exchange techniques require continuous connectivity to online systems, then authentication and verification can be performed centrally, but usability is limited when devices are offline

Engineering Contradiction:
Improveauthentication reliabilityVSAvoidoffline usability
Core Design Contradiction:
ReliabilityVSEase of operation

Solution Approach 1:

The system performs preliminary actions by pre-distributing public keys and certificate information to computing devices before offline exchanges are needed. The managing entity system populates a repository with public keys and reference identification codes that can be stored locally on devices, enabling authentication without real-time online connectivity. This preliminary preparation allows devices to perform authenticated exchanges offline while maintaining security.

Inventive Principle:
Principle #10Preliminary action

2Ease of operation

If a repository of public keys is distributed to multiple devices, then offline authentication becomes possible, but device complexity increases

Engineering Contradiction:
Improveoffline exchange capabilityVSAvoidkey management complexity
Core Design Contradiction:
Ease of operationVSDevice complexity

Solution Approach 1:

The system introduces a reference identification code as an intermediary that simplifies key management. Instead of devices needing to store and manage complex certificate chains and multiple public keys, the managing entity system issues reference identification codes that map to specific public keys. This intermediary layer abstracts the complexity away from individual devices, allowing them to perform offline exchanges by simply storing and using these simplified reference codes rather than managing full cryptographic key infrastructures.

Inventive Principle:
Principle #24Intermediary (Mediator)

Data Source

PatentUS11068881B2System for resource distribution within an offline environment
Publication Date: 2021.07.20 BANK OF AMERICA CORP
  • US11068881B2 patent drawing
  • US11068881B2 patent drawing
  • US11068881B2 patent drawing

AI summary

Embodiments of the present invention provide a system for resource distribution within an offline environment. A merchant device internally stores a repository of reference codes and managing entity public keys that are paired with managing entity private keys. The user requests an amount of resources for offline exchange from the managing entity system. The managing entity system transmits certain authorization and encryption information to a user device. When the user device receives an exchange prompt from the computing device of the merchant through near field communication, it generates a digital token incorporating layers of content encryption ending with a managing entity's private key. The encrypted token and reference code are transmitted via near field communication to the merchant device. The merchant device matches the reference code to the managing entity public key and decrypts portions of the token with the managing entity public key to acquire the usable exchange information.