Remote Payment App Counter Reset via Wireless Network
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Solution Overview
Problem
Current systems lack mechanisms for contactless refresh/reset of internal counters and password resets for contactless payment applications, limiting access to goods and services when users cannot access a point of sale terminal, and pose risks of unauthorized transactions if mobile devices are lost or stolen.
Innovation Solution
Implementing systems and methods for managing payment applications on mobile devices, allowing Issuers to remotely disable, reset counters, and change passwords through wireless networks, enabling secure access control and preventing fraudulent use.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If contactless payment applications use fixed internal counters for transaction limits, then security control is improved, but user access flexibility deteriorates when users cannot reach POS terminals for counter resets
Solution Approach 1:
The patent transforms the static internal counter system into a dynamic one by enabling remote counter resets through wireless communication. The counter values can now be adjusted dynamically by the issuer without requiring physical card insertion at a POS terminal, allowing the system to adapt to user needs while maintaining security controls.
Solution Approach 2:
The patent introduces wireless communication as an intermediary mechanism between the issuer and the contactless payment application. This intermediary allows counter resets to be performed remotely without direct physical contact, bridging the gap between security requirements and user convenience when POS terminals are inaccessible.
2Speed
If contactless payment applications allow offline transactions with fixed counters, then transaction speed is improved, but security risk increases when devices are lost or stolen
Solution Approach 1:
The patent implements preliminary security measures by enabling issuers to remotely reset counters and disable applications before devices can be misused. When a device is reported lost or stolen, the issuer can immediately perform counter resets or disable the application through wireless communication, preventing unauthorized offline transactions before they occur.
Solution Approach 2:
The patent establishes a feedback mechanism where issuers can monitor and control contactless payment applications remotely. When security concerns arise (such as device loss or suspicious activity), the system provides real-time control capabilities to reset counters or disable applications, creating a closed-loop security system that responds to threats while maintaining offline transaction functionality.
3Reliability
If issuers implement remote management capabilities for contactless applications, then security control is improved, but system complexity increases
Solution Approach 1:
The patent leverages existing wireless communication infrastructure to provide multiple security management functions (counter resets, application disabling, parameter updates) through a single unified mechanism. This multi-functional approach allows issuers to manage various aspects of contactless applications remotely without requiring separate complex systems for each function, thereby limiting the increase in overall system complexity.
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
Enables secure management of payment applications, preventing unauthorized transactions and ensuring continued access to services by allowing remote counter and password resets, enhancing security and user convenience.
Implementation Method 1
receiving access control data for an installed payment application over a wireless network
Data Source
AI summary
Systems, apparatus, and methods for managing an application installed on a mobile device, such as a mobile phone are provided, so as to prevent or limit unauthorized use of the application, for example, when the mobile device is lost, stolen, or otherwise subject to unauthorized use. A request to enable or disable user access to a function of the application can be received by a server computer. A command message responsive to the request can be generated by the server computer, the command message comprising control data for enabling or disabling user access to the function of the application. The generated command message can be transmitted to the mobile device over a wireless network.