Integrated SIM and Personal Token Module for Secure Wireless Transactions
Find Innovative SolutionsGenerate Solutions
Solution Overview
Problem
Conventional systems require separate SIM and personal token cards for network connectivity and identity verification, leading to inefficiencies in secure data exchange and increased costs for merchants, as they need additional hardware and software to facilitate electronic transactions.
Innovation Solution
A Network Access and Credential Verification (NACV) module is integrated into communication devices, combining SIM and personal token features, enabling secure electronic transactions through a single device with minimal additional hardware, using protocols like SMPP and NFC for authentication and data transmission.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Reliability
If separate SIM and personal token cards are used for network connectivity and identity verification, then authentication functionality is provided, but device complexity and hardware requirements increase
Solution Approach 1:
The patent combines SIM card functionality (network authentication) and personal token functionality (transaction authentication) into a single integrated device. The SIM card includes both a first application for network access and a second application for personal token operations, eliminating the need for separate physical cards and readers.
Solution Approach 2:
The integrated SIM card serves multiple functions: it provides network access authentication through the first application, personal token authentication through the second application, and supports both traditional SIM operations and NFC-based contactless transactions within a single device.
2Reliability
If separate SIM and personal token cards are used, then authentication capabilities are maintained, but transaction costs and operational efficiency deteriorate
Solution Approach 1:
The patent merges SIM and personal token functions into one card, allowing merchants to process both network-attached and contactless transactions through a single device without requiring multiple readers or software systems, thereby reducing operational complexity and transaction time.
Solution Approach 2:
The integrated second application on the SIM card acts as an intermediary that enables direct communication between the personal token functionality and NFC readers, eliminating the need for separate token readers and simplifying the transaction workflow.
3Reliability
If separate SIM and personal token cards are used for network access and secure transactions, then security functionality is provided, but data security and convenience are compromised
Solution Approach 1:
The patent combines multiple security functions (network authentication, personal token verification, NFC communication) into a single SIM card device, allowing users to carry one card instead of multiple separate authentication devices while maintaining equivalent or enhanced security through integrated cryptographic operations.
Data Source
AI summary
The invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. The system further includes a protocol element that facilitates communication between the device and a transceiver for wireless communication between a mobile device and a computing system.