Type 4 NFC tags as protocol interface

Patent metadata

Field	Value
Publication number	US-12488331-B2
Application number	US-202217893371-A
Country	US
Kind code	B2
Filing date	Aug 23, 2022
Priority date	Oct 4, 2019
Publication date	Dec 2, 2025
Grant date	Dec 2, 2025

Abstract

NFC terminal devices and corresponding integrated circuit cards (ICCs) use NFC Type 4 tags as a protocol interface for complex or encrypted communication protocols that are not natively supported by the NFC terminal devices. A smartphone acting as an NFC terminal may block applications and/or protocols other than NFC data exchange formatted (NDEF) messages. An ICC applet supporting an advanced function uses designated memory locations for the transfer of commands normally supported at an application level. Both the terminal side and the ICC applet may check the designated memory locations for updated data in the absence of protocol-level message controls.

First claim

We claim:

1 . A method of communicating application data between an NFC terminal and an integrated circuit card (ICC), the method comprising:
designating a first memory location on the ICC, a second memory location on the ICC, and a tag memory location on the ICC, the first memory location designated for storing a one command application data unit (C-APDU), the second memory location designated for storing a one response application data unit (R-APDU), and the tag memory location designed for storing a nonce; generating, by an application on the NFC terminal, a nonce associated with an application session; writing, by an application on the NFC terminal, a first C-APDU to the first memory location; reading, by the application on the NFC terminal, contents of the tag memory location;
determining the contents of the tag memory location are different than the nonce;
writing, by the application on the NFC terminal, the nonce to the tag memory location; reading, by the application on the NFC terminal from the second memory location, a first R-APDU; processing the R-APDU at the application on the NFC terminal; and completing communication between the application on the NFC terminal and an applet on the ICC using successive data transfers via the first memory location for data for C-APDU data sent from the NFC terminal to the ICC and the second memory location for R-APDU data read from the ICC.

2 . The method of claim 1 , further comprising generating, at the NFC terminal, the first C-APDU to send to the ICC.

3 . The method of claim 1 , further comprising:
reading the data in the first memory location via the applet on the ICC; evaluating the data as a C-APDU as part of a payment process; processing the R-APDU responsive to requirements associated with the C-APDU; and writing the R-APDU to the second memory location, overwriting any existing data in the second memory location.

4 . The method of claim 1 , further comprising:
encrypting the first C-APDU prior to writing to the first C-APDU to the first memory location.

5 . The method of claim 1 , wherein writing, by the application on the NFC terminal, the first C-APDU to the first memory location comprises writing the first C-APDU using a NFC Type 4 tag write memory command.

6 . The method of claim 1 , wherein reading the first R-APDU by the application on the NFC terminal comprises reading the first R-APDU using a NFC Type 4 tag read memory command.

7 . The method of claim 1 , further comprising:
reading contents of the second memory location on the ICC via the application on the NFC terminal after writing the first C-APDU to the first memory location of the ICC; comparing the contents of the second memory location to the first R-APDU; repeating the reading the contents of the second memory location on the ICC and the comparing the contents of the second memory location to the first R-APDU, until the contents of the second memory location do not equal the first R-APDU; and processing the contents of the second memory location as a second R-APDU.

8 . A system for transferring application session data during an application session between an NFC terminal and an integrated circuit card (ICC), comprising:
a first memory location on the ICC that stores data accessible to both the ICC and the NFC terminal, the first memory location used by convention for storing a command application data unit (C-APDU); and a second memory location on the ICC that stores data accessible to both the ICC and the NFC terminal, the second memory location used by convention for storing a response application data unit (R-APDU); the NFC terminal executing an application to:
generate a unique number associated with the application session, wherein the unique number is a nonce;
read contents of a tag memory location;
write the nonce to the tag memory location;
generate a first C-APDU;
write the first C-APDU to the first memory location;
read the second memory location;
determine that the second memory location contains an R-APDU, wherein determining that the second memory location contains the R-APDU comprises determining that the contents of the tag memory location are different than the nonce; and
process the R-APDU.

9 . The system of claim 8 , further comprising an applet on the ICC to:
check contents of the first memory location for a change from a previous value; responsive to a new value at the first memory location, process the contents of the first memory location as a C-APDU; generate the R-APDU responsive to the C-APDU; and write the R-APDU to the second memory location on the ICC, overwriting any previous data in that location.

10 . The system of claim 9 , wherein the applet contains a payment function and a NFC data exchange format (NDEF) function, the NDEF function responsive to a trigger caused by data being written to the first memory location and the payment function performing transaction-related processing for responding to C-APDUs related to a payment request.

11 . The system of claim 9 , wherein the NFC terminal is further executing the application to:
launch the applet on the ICC responsive to a NDEF message being written to the first memory location.

12 . The system of claim 8 , wherein the R-APDU contains a personal account number associated with the ICC, the ICC being a bank payment card.

13 . A method of communicating application protocol data between an NFC terminal and an integrated circuit card (ICC), the method comprising:
reserving a first memory location on the ICC for receiving data from the NFC terminal; reserving a second memory location on the ICC for sending data to the NFC terminal; reserving a tag memory location on the ICC for storing a nonce; activating a payment applet on the ICC responsive to data being written to the first memory location, wherein activating a payment applet comprises setting a new nonce on the tag memory location to activate the payment applet responsive to receipt of data at the first memory location; i) responsive to determining contents of the first memory location is different from previous contents of the first memory location, parsing the contents of the first memory location into a command application protocol data unit (C-APDU); ii) processing the C-APDU via the payment applet to generate a response application protocol data unit (R-APDU); and writing the R-APDU to the second memory location, wherein steps i and ii are repeated to a programmatic end of a data processing function of the payment applet with the NFC terminal.

14 . The method of claim 13 , wherein the ICC is a payment card.

15 . The method of claim 13 , wherein a protocol used to read and write data to the first memory location and the second memory location is an NFC data exchange format (NDEF) protocol.

16 . The method of claim 13 , wherein the R-APDU is an error message responsive to the C-APDU being unparsable.

Assignees

• Visa Int Service Ass

Inventors

• Top Mustafa
• Pirzadeh Kiushan

Classifications

• G06K7/10297

  arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 (cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00) · CPC title

• G06F3/0679

  Non-volatile semiconductor memory device, e.g. flash memory, one time programmable memory [OTP] · CPC title

• G06F3/0655

  Vertical data movement, i.e. input-output transfer; data movement between one or more hosts and one or more storage devices · CPC title

• G06F3/0604

  Improving or facilitating administration, e.g. storage management · CPC title

• G06Q20/3226

  Use of secure elements separate from M-devices · CPC title