Tokenized URL Sharing via Contactless Card for Secure Data Exchange

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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 adverse user experiences due to manual information sharing.

Innovation Solution

An authenticated data sharing system using a contactless card with a processor and memory, including applets, generates a tokenized link for secure and customizable data transfer via NFC, allowing users to control information sharing with reduced risk of interception or unauthorized access.

Engineering Contradictions & Design Principles

VSEngineering Contradiction Analysis

1Reliability

If manual information sharing is used in card-based transactions, then ease of operation is maintained, but security is reduced and data exchange is limited

Engineering Contradiction:

ImprovesecurityVSAvoidmanual information sharing

Core Design Contradiction:

ReliabilityVSEase of operation

Solution Approach 1:

The patent introduces a URL-based intermediary system that mediates between the contactless card and the information requestor. Instead of direct manual information sharing, the card generates a secure URL that acts as a mediator, allowing automated and controlled data exchange while maintaining security protocols and reducing manual intervention requirements.

Inventive Principle:

Principle #24Intermediary (Mediator)

Solution Approach 2:

The patent replaces the mechanical/manual process of information sharing with an automated electronic system. The contactless card automatically generates and transmits secure URLs through NFC communication, eliminating the need for manual information entry and sharing while enhancing security through cryptographic protocols embedded in the automated system.

Inventive Principle:

Principle #28Mechanics substitution (Replace mechanical system)

2Adaptability or versatility

If card-based transactions are used, then ease of operation is maintained, but data exchange capability is limited

Engineering Contradiction:

Improvedata exchange capabilityVSAvoidtransaction process

Core Design Contradiction:

Adaptability or versatilityVSEase of operation

Solution Approach 1:

The patent enhances the universality of contactless cards by enabling them to perform multiple functions: traditional payment transactions, generation of secure URLs, and automated information sharing. This multi-functionality allows a single card to handle diverse data exchange needs without requiring additional devices or complex manual procedures.

Inventive Principle:

Principle #6Universality (Multi-functionality)

Solution Approach 2:

The patent introduces dynamic capabilities to the contactless card system. The card can dynamically generate unique secure URLs for each transaction, adaptively share different types of information based on transaction context, and automatically adjust data exchange parameters, thereby enhancing versatility while maintaining ease of operation through automated processes.

Inventive Principle:

Principle #15Dynamics

3Loss of information

If additional information is manually provided during transactions, then data completeness is improved, but security risk increases

Engineering Contradiction:

Improvedata completenessVSAvoidsecurity risk

Core Design Contradiction:

Loss of informationVSObject-affected harmful factors

Solution Approach 1:

The patent implements preliminary action by having the contactless card pre-generate secure URLs with embedded authentication credentials before information exchange occurs. This preliminary security setup ensures that all subsequent data exchanges are automatically protected, allowing complete information sharing without increasing security risks, as the security framework is established in advance.

Inventive Principle:

Principle #10Preliminary action

Solution Approach 2:

The patent uses cryptographic copying mechanisms where the contactless card creates secure copies of authentication data within encrypted URLs. Instead of manually transmitting sensitive information, the system generates cryptographic copies that can be safely exchanged and verified, ensuring data completeness while maintaining security through cryptographic protection rather than manual handling.

Inventive Principle:

Principle #26Copying

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 in data transfer by enabling secure, customizable, and permission-controlled data sharing, improving the user experience in transactions.

Implementation Method 1

after a first entry by the contactless card into a communication field of the device

Methodology Applied

Scientific EffectNFC (Near Field Communication): Electromagnetic Induction

Data Source

PatentUS12513123B2Systems and methods for controlling secured data transfer via URLs

Publication Date: 2025.12.30 CAPITAL ONE SERVICES LLC

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.