UWB Payment Architecture Using a Secure Element Against Interception
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Solution Overview
Problem
Existing Ultra-Wideband (UWB) payment technologies lack security guarantees, as transaction information can be intercepted during transactions, leading to transaction risks.
Innovation Solution
The UWB chip encrypts payment request information with a first key and transmits it through a secure channel to a secure element for verification, ensuring the payment result is securely returned to the payee terminal.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Measurement precision
If UWB technology is used for payment, then location precision and data transmission stability are improved, but transaction security deteriorates due to potential interception of transaction information
Solution Approach 1:
The patent segments the payment system into three independent components: UWB chip for communication, secure element for security operations, and application layer for user interface. This segmentation isolates the security-critical operations to the secure element, preventing interception risks while maintaining UWB's location precision advantages.
Solution Approach 2:
The secure element acts as an intermediary between the UWB chip and the application layer. It receives encrypted transaction information from the UWB chip, performs security verification, and returns payment results. This intermediary structure prevents direct exposure of transaction information, eliminating interception risks while preserving UWB's communication stability.
2Productivity
If existing UWB chip is used, then data transmission capability is improved, but transaction security deteriorates because transaction information can be intercepted
Solution Approach 1:
The secure element serves as a security intermediary that receives encrypted data from the UWB chip via secure channels, performs verification operations, and returns results. This architecture maintains the UWB chip's high data transmission capability while preventing interception of transaction information through the secure element's mediation.
Solution Approach 2:
The patent replaces the traditional software-based security model with a hardware-based secure element. This substitution provides cryptographic operations and security verification at the hardware level, making transaction information interception impossible while maintaining efficient data transmission through the UWB chip.
3Speed
If payment information is transmitted through UWB channel, then transmission speed is improved, but security deteriorates due to potential interception by hardware engineers
Solution Approach 1:
The secure element acts as a security intermediary that receives encrypted payment information from the UWB chip through secure channels. It performs verification and returns results without exposing the actual transaction information, thus maintaining the fast transmission speed of UWB while preventing interception by hardware engineers or external attackers.
Solution Approach 2:
The system applies preliminary encryption to payment information before it leaves the secure element, and uses secure channels for transmission. This preliminary security measure prevents any potential interception during transmission, while the UWB channel maintains its high speed advantage for the encrypted data flow.
Data Source
AI summary
Replace the content of the invention of the abstract with the following rewritten version: Disclosed are a payment method and apparatus based on an Ultra-Wideband (UWB), a computer device, and a payer terminal. The method includes: receiving payment request information sent by a payee terminal through a UWB channel, where the payment request information is configured to request a payer terminal to complete a target transaction, and the target transaction is to make payment from the payer terminal to the payee terminal; encrypting the payment request information with a first key, so as to obtain encrypted information; transmitting the encrypted information to a secure element through a secure channel, where the secure element is configured to verify the target transaction according to the encrypted information, and generate a payment result; and receiving the payment result returned by the secure element, and sending the payment result to the payee terminal through the UWB channel.