Wireless Transaction Applet Selection Using Group Identifiers
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Solution Overview
Problem
Existing wireless transaction systems struggle to automatically identify and present the appropriate applet to a wireless transaction device without user input or authentication, especially when multiple applets are present on a secure element, and they lack scalability for adding new devices or modifying applet acceptance and prioritization schemes.
Innovation Solution
A scalable wireless transaction system assigns wireless transaction group identifiers to device groups, uses enhanced contactless polling frames for device identification, and enables electronic devices to automatically select and present appropriate applets based on user-configured priorities and system-provided applet lists, allowing express transactions without authentication.
Engineering Contradictions & Design Principles
Engineering Contradiction Analysis
1Adaptability or versatility
If a single applet is stored on the portable computing device for wireless transactions, then the device complexity is reduced, but the adaptability to different transaction types is limited
Solution Approach 1:
The patent implements a universal applet architecture where a single applet can perform multiple transaction types (credit, debit, cash advance, etc.) by dynamically loading different transaction parameters and security credentials from the secure element, eliminating the need for separate applets for each transaction type while maintaining full functionality
Solution Approach 2:
The patent segments the transaction functionality into modular components: the applet contains core transaction logic, while transaction-specific parameters, security credentials, and data elements are separated into the secure element. This allows the applet to remain simple while accessing diverse transaction capabilities through secure element resources
2Adaptability or versatility
If multiple security credentials are stored on the portable computing device for different transaction types, then the adaptability to different transaction types is improved, but the device complexity increases
Solution Approach 1:
The patent introduces a secure element as an intermediary between the applet and multiple security credentials. The secure element securely stores multiple transaction credentials (credit, debit, cash advance) and manages their distribution to the applet only when needed, allowing the applet to access diverse credentials without directly managing their storage or security
Solution Approach 2:
The patent moves security credential storage from the traditional two-dimensional applet structure to a third-dimensional architecture where credentials reside in the secure element layer, and the applet accesses them dynamically. This dimensional separation allows multiple credentials to coexist without increasing applet complexity
3Adaptability or versatility
If transaction data is stored in a centralized database, then the system has high adaptability to different transaction types, but the system loses portability and offline capability
Solution Approach 1:
The patent segments transaction data into two parts: essential transaction parameters and security credentials are stored locally in the secure element for offline processing, while detailed transaction records remain in the centralized database. This segmentation enables the device to function independently offline while maintaining access to comprehensive transaction capabilities
Solution Approach 2:
The patent performs preliminary action by pre-loading necessary transaction parameters, security credentials, and applet code into the secure element before transactions occur. This allows the portable device to immediately process transactions offline without needing to query the centralized database, while still maintaining full transaction capability
Data Source
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AI summary
A device implementing a scalable wireless transaction system includes at least one processor configured to receive, from a wireless transaction system server, a list of wireless transaction group identifiers, and an indication of at least one applet associated with each of the wireless transaction group identifiers. The at least one processor is further configured to receive, from a wireless transaction device, a polling frame that includes one of the wireless transaction device group identifiers. The at least one processor is further configured to select an applet provisioned on a device secure element that is assigned to the wireless transaction group identifier, the assigning being based at least in part on the received list. The at least one processor is further configured to utilize the selected applet to perform a wireless transaction with the wireless transaction device.